PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Xapo: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 17 points (87 vs 70). Plasma One Card looks stronger for Cashback, Funds control, and Lowest fees, while Xapo Card comes out ahead for Travel.
Information checked Sep 1, 202633 official sources reviewed
01 · Overall score versus use-case fit
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Xapo Card may be the better fit for Travel. 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 One87Xapo70Higher score
CashbackPlasma One78Xapo24Higher score
TravelPlasma One72Xapo91Higher score
Funds controlPlasma One99Xapo63Higher score
Lowest feesPlasma One80Xapo77Higher score
TransfersPlasma One100Xapo100Same score
Choose Plasma One Card if cashback and funds control matter most
Plasma One Card comes out ahead for Cashback, Funds control, and Lowest fees 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 Xapo Card if travel matters most
Xapo Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No Xapo FX markup
- Account-backed bank and crypto rails
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Plasma One87Xapo70
Plasma One Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Plasma One$0 plan · 0–1% FXXapo$1,000/year plan · 0–0.29% FX
Plasma One Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Plasma One2% base · up to 10%Xapo0% base · up to 3%
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Plasma OneSelf-controlled walletXapoCustodial balance
Plasma One Card uses a self-controlled wallet setup, while Xapo Card 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 PayXapoVirtual + Physical · Unknown
Plasma One Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Plasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawalsXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 6).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsPlasma One CardOverall87Xapo CardOverall70
Plasma One CardOverall87Xapo CardOverall70Scores
6 fields- Overall Score
- Plasma One Card87Xapo Card70
- Cashback score
- Plasma One Card78Xapo Card24
- Travel score
- Plasma One Card72Xapo Card91
- Funds control score
- Plasma One Card99Xapo Card63
- Lowest fees score
- Plasma One Card80Xapo Card77
- Transfers score
- Plasma One Card100Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Plasma One Card$0Xapo Card$1,000/year
- FX fee
- Plasma One Card0–1%Xapo Card0–0.29%
- Top-up fee
- Plasma One Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Plasma One CardNot disclosedXapo Card0%
- ATM fee
- Plasma One CardNot availableXapo Card0–2%
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierXapo Card$0 in the Visa Europe programme; outside-Europe pricing not 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.Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Plasma One CardPlatinum: 4%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Plasma One CardVisaXapo CardVisa/Mastercard
- Card formats
- Plasma One CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Plasma One CardNot availableXapo CardAvailable
- Mobile wallets
- Plasma One CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Plasma One CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Plasma One CardShown in appXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Plasma One CardShown in appXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Plasma One CardNot available, including for physical cardsXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Plasma One Card2%Xapo Card0%
- Max cashback
- Plasma One Card10%Xapo Card3%
- Reward currency
- Plasma One CardUSD cashback paid in XPLXapo CardBTC
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYXapo CardUp to 3.35% APY
- How it works
- Plasma One CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Plasma One CardYesXapo CardNo
- Use balance for spending
- Plasma One CardNoXapo CardYes
- Lock-up
- Plasma One CardNoXapo CardNo
Trust & availability
8 fields- Custody
- Plasma One CardSelf-custodyXapo CardCustodial
- Control until payment
- Plasma One CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Plasma One CardRain, Third NationalXapo CardTransact Payments Malta Limited
- Card processing
- Plasma One Card0xXapo CardNot disclosed
- Custody / key management
- Plasma One CardPrivy, VedaXapo CardNot disclosed
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCXapo CardNot disclosed
- Bank transfers
- Plasma One CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Plasma One CardPlasmaXapo CardNot disclosed
Sources
2 fields- Official sources
- Plasma One Card12Xapo Card21
- Last reviewed
- Plasma One CardAug 27, 2026Xapo CardSep 1, 2026
04 · The trade-off
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 70 for Xapo Card. Plasma One Card has the lower starting plan cost ($0 vs $1,000/year). Plasma One Card has the higher published base cashback rate (2% vs 0%).
Xapo Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Plasma One Card uses a self-controlled wallet setup, while Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 vs 6). 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 Xapo Card reviews first.
Continue with
Plasma One Card
Continue with
Xapo Card
05 · Common questions
Plasma One vs Xapo FAQ
Is Plasma One or Xapo 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 Xapo?
Plasma One Card has the lower starting plan cost ($0 vs $1,000/year). 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 Xapo?
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 Xapo differ on custody?
Plasma One Card uses a self-controlled wallet setup, while Xapo Card 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 Xapo comparison?
The latest information check for these two cards was September 1, 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.