OobitOobit
72
Side-by-side card comparison
Oobit vs Plasma One: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 15 points (87 vs 72). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Oobit Card may still be the better personal fit.
Information checked Aug 27, 202628 official sources reviewed
01 · Make the first cut
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Oobit Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallOobit72Plasma One87Higher score
CashbackOobit68Plasma One78Higher score
TravelOobit45Plasma One72Higher score
Funds controlOobit77Plasma One99Higher score
Lowest feesOobit51Plasma One80Higher score
TransfersOobit64Plasma One100Higher score
Choose Oobit Card if its day-to-day setup suits you
Oobit Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose Plasma One Card if cashback and travel matter most
Plasma One Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Oobit72Plasma One87
Plasma One Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXPlasma One$0 plan · 0–1% FX
Plasma One Card has the lower published FX fee (0–1% vs 3%).
- Purchase rewards
- Oobit5% base · up to 10%Plasma One2% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 2%).
- Funds control
- OobitHybrid custodyPlasma OneSelf-controlled wallet
Oobit Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- OobitVirtual · Apple Pay, Google PayPlasma OneVirtual + Physical · Apple Pay, Google Pay
Plasma One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 fiat
- Cashback
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsOobit CardOverall72Plasma One CardOverall87
Oobit CardOverall72Plasma One CardOverall87Scores
6 fields- Overall Score
- Oobit Card72Plasma One Card87
- Cashback score
- Oobit Card68Plasma One Card78
- Travel score
- Oobit Card45Plasma One Card72
- Funds control score
- Oobit Card77Plasma One Card99
- Lowest fees score
- Oobit Card51Plasma One Card80
- Transfers score
- Oobit Card64Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearPlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Oobit Card$0Plasma One Card$0
- FX fee
- Oobit Card3%Plasma One Card0–1%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routePlasma One Card0%
- Card spending fee
- Oobit Card$0.25 + 1%Plasma One CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargePlasma One CardNot available
- Virtual card
- Oobit CardFreePlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Oobit CardNot disclosedPlasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Oobit CardNot disclosedPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Oobit CardNot disclosedPlasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Oobit CardVisaPlasma One CardVisa
- Card formats
- Oobit CardVirtualPlasma One CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailablePlasma One CardNot available
- Mobile wallets
- Oobit CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidPlasma One CardiOS, Android
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerPlasma One CardShown in app
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedPlasma One CardShown in app
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Oobit CardNot disclosedPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Oobit CardNot disclosedPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Plasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Oobit Card5%Plasma One Card2%
- Max cashback
- Oobit Card10%Plasma One Card10%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Oobit CardNot offeredPlasma One CardUp to 5% APY
- How it works
- Oobit CardNot offeredPlasma One CardOptional earn vault
- Separate deposit
- Oobit CardNot offeredPlasma One CardYes
- Use balance for spending
- Oobit CardNot offeredPlasma One CardNo
- Lock-up
- Oobit CardNot offeredPlasma One CardNo
Trust & availability
7 fields- Custody
- Oobit CardHybrid custodyPlasma One CardSelf-custody
- Control until payment
- Oobit CardYou keep controlPlasma One CardYou keep control
- Card issuer
- Oobit CardThirdNationalPlasma One CardRain, Third National
- Card processing
- Oobit CardNot disclosedPlasma One Card0x
- Custody / key management
- Oobit CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- Oobit CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- Oobit CardNot disclosedPlasma One CardPlasma
Sources
2 fields- Official sources
- Oobit Card16Plasma One Card12
- Last reviewed
- Oobit CardAug 12, 2026Plasma One CardAug 27, 2026
04 · The takeaway
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 72 for Oobit Card. Plasma One Card has the lower published FX fee (0–1% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 2%).
Oobit Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Oobit Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Oobit Card and Plasma One Card reviews first.
Continue with
Oobit Card
Continue with
Plasma One Card
05 · Common questions
Oobit vs Plasma One FAQ
Is Oobit or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 vs 72). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Oobit or Plasma One?
Plasma One Card has the lower published FX fee (0–1% vs 3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Oobit or Plasma One?
Oobit Card has the higher published base cashback rate (5% vs 2%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Plasma One differ on custody?
Oobit Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Oobit vs Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.