PlasmaPlasma One
89
Side-by-side card comparison
Plasma One vs Decaf
Plasma One Card has the higher Overall Score by 25 points (89 vs 64). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Decaf Card may still be the better personal fit.
Latest check Oct 19, 202633 official sources reviewed
Plasma One Card
Best fit
- Plasma users spending stablecoins through a non-custodial wallet-linked Visa.
- Combining bank receive and payout routes with everyday stablecoin spending.
- Trying Lite without an annual plan fee or committing XPL to a tier lock.
Before you choose
- Cashback is paid in XPL; higher tiers can require a 12-month token lock.
- Lite adds 1% Plasma FX plus Visa conversion fees, typically around 1%.
- ATMs require a physical card and cost $2 + 2%, before operator and FX fees.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Current signup offers
Signup offers
Signup offers are excluded from card scores.
Plasma One Card
Get $10
$10 after qualifying Plasma One card spend
- Join as a new user through the link, complete identity verification and activate a card.
- Spend $100 on qualifying card purchases at two or more distinct merchants within 14 days of code redemption.
- The $10 reward is card spend credit, not withdrawable cash.
- CARDGD is a separate access code; 4E7CQV is the referral code.
- The invited user's identity-document country must not be Nigeria, Bangladesh or Kenya. Only settled eligible purchases count.
Plasma One referral code4E7CQV
CARDGD is a separate access code. Check the current referral conditions in the Plasma One app before spending. The $10 spend credit is paid on the following Thursday after qualifying purchases settle; pending authorizations, refunds and wallet transfers do not count.
Decaf Card
No active signup offer listed
Partner links may earn us a commission. Affiliate disclosure
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsPlasma One CardOverall89Decaf CardOverall64
Plasma One CardOverall89Decaf CardOverall64Scores
- Overall Score
- Plasma One Card89Decaf Card64
- Cashback score
- Plasma One Card79Decaf Card29
- Travel score
- Plasma One Card92Decaf Card60
- Funds control score
- Plasma One Card100Decaf Card63
- Lowest fees score
- Plasma One Card80Decaf Card57
- Transfers score
- Plasma One Card100Decaf Card70
Costs
- Plan cost
- Plasma One Card$0Decaf Card$0
- FX fee
- Plasma One Card0.5–1%Decaf Card1–2%
- Top-up fee
- Plasma One Card0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Plasma One CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Plasma One Card$2 + 2% per withdrawal with a physical card; $1 balance inquiry; $1 declined attempt. Operator surcharges are separate. Non-USD withdrawals incur tier FX fees; Platinum has no FX fee. ATM withdrawals earn no cashbackDecaf Card0% Decaf markup
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierDecaf Card$5
- Physical card
- Plasma 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.Decaf Card$90 international / $10 US
Plans
- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumDecaf CardNot disclosed
- Top cashback plan
- Plasma One CardPlatinum: 4%Decaf CardNot disclosed
Everyday use
- Network
- Plasma One CardVisaDecaf CardVisa
- Card formats
- Plasma One CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Plasma One CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Plasma One CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Plasma One CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Plasma One CardShown in appDecaf CardNot disclosed
- Monthly spending limit
- Plasma One CardShown in appDecaf CardNot disclosed
- ATM limit
- Plasma One Card$1,000 per withdrawal; 3 attempts per rolling 24 hours, including declines. Withdrawals also count toward the card's daily spending limit.Decaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Decaf CardSolana, Stellar
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDG, USDe, PYUSD +2; Other crypto: ETH, WBTC, HYPE, WETH, cbBTC +7Decaf CardStablecoins: USDC
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Plasma One Card2%Decaf CardNot disclosed
- Max cashback
- Plasma One Card10%Decaf CardNot disclosed
- Reward currency
- Plasma One CardUSD cashback paid in XPLDecaf CardNot disclosed
Earn
- Advertised APY
- Plasma One CardUp to 5% APYDecaf CardNot disclosed
- How it works
- Plasma One CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Plasma One CardYesDecaf CardYes
- Use balance for spending
- Plasma One CardNoDecaf CardNot disclosed
- Lock-up
- Plasma One CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Plasma One CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Plasma One CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Plasma One CardRain, Third NationalDecaf CardThird National, Inc.
- Card processing
- Plasma One Card0xDecaf CardRain
- Custody / key management
- Plasma One CardPrivy, VedaDecaf CardNot disclosed
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCDecaf CardMoneyGram
- Programme operator
- Plasma One CardPlasmaDecaf CardNot disclosed
Sources
- Official sources
- Plasma One Card12Decaf Card21
- Last reviewed
- Plasma One CardOct 18, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Plasma One or Decaf
Sending money to a bank
For bank payouts, Plasma One has reviewed routes in BRL, COP, EUR, GBP and other currencies; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Plasma One's reviewed deposit assets include AAVE, ARB, BNB, ETH and other assets; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Plasma One vs Decaf FAQ
Is Plasma One or Decaf better overall?
Plasma One Card has the higher Overall Score (89 vs 64). 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, Plasma One or Decaf?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Plasma One or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Plasma One and Decaf differ on custody?
Plasma One Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Plasma One vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.