PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Exa: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 21 points (87 vs 66). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Exa Card may still be the better personal fit.
Information checked Aug 27, 202643 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. Exa 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.
OverallPlasma One87Exa66Higher score
CashbackPlasma One78Exa19Higher score
TravelPlasma One72Exa61Higher score
Funds controlPlasma One99Exa88Higher score
Lowest feesPlasma One80Exa67Higher score
TransfersPlasma One100Exa97Higher score
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
Choose Exa Card if its day-to-day setup suits you
Exa 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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
- Plasma One87Exa66
Plasma One Card has the higher Overall Score by 21 points.
- Entry cost & FX
- Plasma One$0 plan · 0–1% FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs 0–1%).
- Purchase rewards
- Plasma One2% base · up to 10%Exa0% cashback
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Plasma OneSelf-controlled walletExaSelf-controlled wallet
Plasma One Card and Exa Card use the same self-controlled wallet setup.
- Everyday access
- Plasma OneVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Plasma One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Plasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawalsExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Plasma One Card lists more stablecoins and ways to send money out (6 vs 5).
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
- 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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
CardsPlasma One CardOverall87Exa CardOverall66
Plasma One CardOverall87Exa CardOverall66Scores
6 fields- Overall Score
- Plasma One Card87Exa Card66
- Cashback score
- Plasma One Card78Exa Card19
- Travel score
- Plasma One Card72Exa Card61
- Funds control score
- Plasma One Card99Exa Card88
- Lowest fees score
- Plasma One Card80Exa Card67
- Transfers score
- Plasma One Card100Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Plasma One Card$0Exa Card$0
- FX fee
- Plasma One Card0–1%Exa Card1.5%
- Top-up fee
- Plasma One Card0%Exa Card1%
- Card spending fee
- Plasma One CardNot disclosedExa CardNot disclosed
- ATM fee
- Plasma One CardNot availableExa Card$1 + 0.65%
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierExa CardFree with Exa Wallet
- 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.Exa CardNot available
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumExa CardNot disclosed
- Top cashback plan
- Plasma One CardPlatinum: 4%Exa CardNot disclosed
Everyday use
8 fields- Network
- Plasma One CardVisaExa CardVisa
- Card formats
- Plasma One CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Plasma One CardNot availableExa CardAvailable
- Mobile wallets
- Plasma One CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Plasma One CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Plasma One CardShown in appExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Plasma One CardShown in appExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Plasma One CardNot available, including for physical cardsExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Exa CardOptimism
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Plasma One Card2%Exa Card0%
- Max cashback
- Plasma One Card10%Exa Card0%
- Reward currency
- Plasma One CardUSD cashback paid in XPLExa CardNo cashback
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYExa CardUp to 0.99776% APY
- How it works
- Plasma One CardOptional earn vaultExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Plasma One CardYesExa CardNo
- Use balance for spending
- Plasma One CardNoExa CardYes
- Lock-up
- Plasma One CardNoExa CardNo
Trust & availability
7 fields- Custody
- Plasma One CardSelf-custodyExa CardSelf-custody
- Control until payment
- Plasma One CardYou keep controlExa CardYou keep control
- Card issuer
- Plasma One CardRain, Third NationalExa CardThird National Bank, Third National
- Card processing
- Plasma One Card0xExa CardExa Labs SAS
- Custody / key management
- Plasma One CardPrivy, VedaExa CardNot disclosed
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCExa CardBridge, Manteca
- Programme operator
- Plasma One CardPlasmaExa CardExa Labs SAS
Sources
2 fields- Official sources
- Plasma One Card12Exa Card31
- Last reviewed
- Plasma One CardAug 27, 2026Exa CardAug 23, 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 66 for Exa Card. Exa Card has the lower published FX fee (1.5% vs 0–1%). Plasma One Card has the higher published base cashback rate (2% vs 0%).
Exa Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Plasma One Card and Exa Card use the same self-controlled wallet setup.
Plasma One Card lists more stablecoins and ways to send money out (6 vs 5). 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 Plasma One Card and Exa Card reviews first.
Continue with
Plasma One Card
Continue with
Exa Card
05 · Common questions
Plasma One vs Exa FAQ
Is Plasma One or Exa better overall?
Plasma One Card has the higher Overall Score (87 vs 66). 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 Exa?
Exa Card has the lower published FX fee (1.5% vs 0–1%). 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 Exa?
Plasma One Card has the higher published base cashback rate (2% vs 0%). 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 Exa differ on custody?
Plasma One Card and Exa Card use the same self-controlled wallet setup.
How current is this Plasma One vs Exa comparison?
The latest information check for these two cards was August 27, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.