PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Spritz: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 25 points (87 vs 62). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Aug 28, 202653 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. Spritz 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 One87Spritz62Higher score
CashbackPlasma One78Spritz34Higher score
TravelPlasma One72Spritz46Higher score
Funds controlPlasma One99Spritz62Higher score
Lowest feesPlasma One80Spritz44Higher score
TransfersPlasma One100Spritz64Higher 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 Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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 One87Spritz62
Plasma One Card has the higher Overall Score by 25 points.
- Entry cost & FX
- Plasma One$0 plan · 0–1% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Plasma One2% base · up to 10%Spritz0% base · up to 5%
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Plasma OneSelf-controlled walletSpritzHybrid custody
Plasma One Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Plasma OneVirtual + Physical · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Plasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawalsSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Plasma One Card lists more stablecoins and ways to send money out (6 vs 1).
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
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall87Spritz CardOverall62
Plasma One CardOverall87Spritz CardOverall62Scores
6 fields- Overall Score
- Plasma One Card87Spritz Card62
- Cashback score
- Plasma One Card78Spritz Card34
- Travel score
- Plasma One Card72Spritz Card46
- Funds control score
- Plasma One Card99Spritz Card62
- Lowest fees score
- Plasma One Card80Spritz Card44
- Transfers score
- Plasma One Card100Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Plasma One Card$0Spritz Card$0
- FX fee
- Plasma One Card0–1%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Plasma One Card0%Spritz Card1–3%
- Card spending fee
- Plasma One CardNot disclosedSpritz Card0%
- ATM fee
- Plasma One CardNot availableSpritz CardNot disclosed
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierSpritz CardNot disclosed
- 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.Spritz CardNot disclosed
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumSpritz CardNot disclosed
- Top cashback plan
- Plasma One CardPlatinum: 4%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Plasma One CardVisaSpritz CardVisa
- Card formats
- Plasma One CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Plasma One CardNot availableSpritz CardNot disclosed
- Mobile wallets
- Plasma One CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Plasma One CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Plasma One CardShown in appSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Plasma One CardShown in appSpritz CardNot disclosed
- ATM limit
- Plasma One CardNot available, including for physical cardsSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountSpritz CardNot disclosed
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Plasma One Card2%Spritz Card0%
- Max cashback
- Plasma One Card10%Spritz Card5%
- Reward currency
- Plasma One CardUSD cashback paid in XPLSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYSpritz CardNot offered
- How it works
- Plasma One CardOptional earn vaultSpritz CardNot offered
- Separate deposit
- Plasma One CardYesSpritz CardNot offered
- Use balance for spending
- Plasma One CardNoSpritz CardNot offered
- Lock-up
- Plasma One CardNoSpritz CardNot offered
Trust & availability
7 fields- Custody
- Plasma One CardSelf-custodySpritz CardHybrid custody
- Control until payment
- Plasma One CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Plasma One CardRain, Third NationalSpritz CardNot disclosed
- Card processing
- Plasma One Card0xSpritz CardRain
- Custody / key management
- Plasma One CardPrivy, VedaSpritz CardNot disclosed
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCSpritz CardNot disclosed
- Programme operator
- Plasma One CardPlasmaSpritz CardNot disclosed
Sources
2 fields- Official sources
- Plasma One Card12Spritz Card41
- Last reviewed
- Plasma One CardAug 27, 2026Spritz CardAug 28, 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 62 for Spritz Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Plasma One Card has the higher published base cashback rate (2% vs 0%).
Spritz Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Plasma One Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Plasma One Card lists more stablecoins and ways to send money out (6 vs 1). 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 Spritz Card reviews first.
Continue with
Plasma One Card
Continue with
Spritz Card
05 · Common questions
Plasma One vs Spritz FAQ
Is Plasma One or Spritz better overall?
Plasma One Card has the higher Overall Score (87 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Plasma One Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Plasma One vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.