PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Uphold US: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 17 points (87 vs 70). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Uphold Card US may still be the better personal fit.
Information checked Oct 14, 202625 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. Uphold Card US 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 One87Uphold US70Higher score
CashbackPlasma One79Uphold US75Higher score
TravelPlasma One72Uphold US71Higher score
Funds controlPlasma One99Uphold US44Higher score
Lowest feesPlasma One81Uphold US56Higher score
TransfersPlasma One100Uphold US65Higher 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 Uphold Card US if its day-to-day setup suits you
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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 One87Uphold US70
Plasma One Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Plasma One$0 plan · 0–1% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 0–1%).
- Purchase rewards
- Plasma One2% base · up to 10%Uphold US2% base · up to 4%
Both cards show the same base cashback rate of 2%.
- Funds control
- Plasma OneSelf-controlled walletUphold USCustodial balance
Plasma One Card uses a self-controlled wallet setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Plasma OneVirtual + Physical · Apple Pay, Google PayUphold USVirtual + 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 withdrawalsUphold US0 stablecoins · US bank withdrawal
Plasma One Card lists more stablecoins and ways to send money out (6 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. 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.
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.
Uphold Card US
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall87Uphold Card USOverall70
Plasma One CardOverall87Uphold Card USOverall70Scores
6 fields- Overall Score
- Plasma One Card87Uphold Card US70
- Cashback score
- Plasma One Card79Uphold Card US75
- Travel score
- Plasma One Card72Uphold Card US71
- Funds control score
- Plasma One Card99Uphold Card US44
- Lowest fees score
- Plasma One Card81Uphold Card US56
- Transfers score
- Plasma One Card100Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Plasma One Card$0Uphold Card US$0
- FX fee
- Plasma One Card0–1%Uphold Card US0–1.5%
- Top-up fee
- Plasma One Card0%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Plasma One CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Plasma One CardNot availableUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierUphold Card USFree on both plans
- 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.Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Plasma One CardPlatinum: 4%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Plasma One CardVisaUphold Card USVisa
- Card formats
- Plasma One CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Plasma One CardNot availableUphold Card USAvailable
- Mobile wallets
- Plasma One CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Plasma One CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Plasma One CardShown in appUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Plasma One CardShown in appUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Plasma One CardNot available, including for physical cardsUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Uphold Card USNot disclosed
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGUphold Card USNot disclosed
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsUphold Card USUS bank withdrawal
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPUphold Card USUSD
Rewards
3 fields- Base cashback
- Plasma One Card2%Uphold Card US2%
- Max cashback
- Plasma One Card10%Uphold Card US4%
- Reward currency
- Plasma One CardUSD cashback paid in XPLUphold Card USXRP
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYUphold Card USNot offered
- How it works
- Plasma One CardOptional earn vaultUphold Card USNot offered
- Separate deposit
- Plasma One CardYesUphold Card USNot offered
- Use balance for spending
- Plasma One CardNoUphold Card USNot offered
- Lock-up
- Plasma One CardNoUphold Card USNot offered
Trust & availability
7 fields- Custody
- Plasma One CardSelf-custodyUphold Card USCustodial
- Control until payment
- Plasma One CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Plasma One CardRain, Third NationalUphold Card USCross River Bank
- Card processing
- Plasma One Card0xUphold Card USNot disclosed
- Custody / key management
- Plasma One CardPrivy, VedaUphold Card USUphold HQ Inc.
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCUphold Card USNot disclosed
- Programme operator
- Plasma One CardPlasmaUphold Card USNot disclosed
Sources
2 fields- Official sources
- Plasma One Card12Uphold Card US13
- Last reviewed
- Plasma One CardOct 14, 2026Uphold Card USOct 14, 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 70 for Uphold Card US. Uphold Card US has the lower published FX fee (0–1.5% vs 0–1%). Both cards show the same base cashback rate of 2%.
Uphold Card US 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 Uphold Card US uses a custodial balance 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 2). 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 Uphold Card US reviews first.
Continue with
Plasma One Card
Continue with
Uphold Card US
05 · Common questions
Plasma One vs Uphold US FAQ
Is Plasma One or Uphold US better overall?
Plasma One Card has the higher Overall Score (87 vs 70). 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 Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% 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 Uphold US?
Both cards show the same base cashback rate of 2%. 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 Uphold US differ on custody?
Plasma One Card uses a self-controlled wallet setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Plasma One vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.