XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Plasma One: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 19 points (87 vs 68). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where XPlace Card may still be the better personal fit.
Information checked Aug 27, 202638 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. XPlace 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.
OverallXPlace68Plasma One87Higher score
CashbackXPlace49Plasma One78Higher score
TravelXPlace61Plasma One72Higher score
Funds controlXPlace67Plasma One99Higher score
Lowest feesXPlace69Plasma One80Higher score
TransfersXPlace62Plasma One100Higher score
Choose XPlace Card if its day-to-day setup suits you
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
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
- XPlace68Plasma One87
Plasma One Card has the higher Overall Score by 19 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXPlasma One$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs 0–1%).
- Purchase rewards
- XPlace0.5% base · up to 4%Plasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- XPlaceHybrid custodyPlasma OneSelf-controlled wallet
XPlace Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- XPlaceVirtual + Physical · Apple Pay, Google PayPlasma OneVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- XPlace2 stablecoins · Stablecoin transfersPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Plasma One Card lists more stablecoins and ways to send money out (6 vs 3).
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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- 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
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
CardsXPlace CardOverall68Plasma One CardOverall87
XPlace CardOverall68Plasma One CardOverall87Scores
6 fields- Overall Score
- XPlace Card68Plasma One Card87
- Cashback score
- XPlace Card49Plasma One Card78
- Travel score
- XPlace Card61Plasma One Card72
- Funds control score
- XPlace Card67Plasma One Card99
- Lowest fees score
- XPlace Card69Plasma One Card80
- Transfers score
- XPlace Card62Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersPlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- XPlace Card$0Plasma One Card$0
- FX fee
- XPlace Card0–1%Plasma One Card0–1%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesPlasma One Card0%
- Card spending fee
- XPlace Card0%Plasma One CardNot disclosed
- ATM fee
- XPlace CardNot availablePlasma One CardNot available
- Virtual card
- XPlace CardNot disclosedPlasma One CardUp to 3 free virtual cards by tier
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.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.
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- XPlace CardPlatinum: 2%Plasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- XPlace CardVisaPlasma One CardVisa
- Card formats
- XPlace CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availablePlasma One CardNot available
- Mobile wallets
- XPlace CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidPlasma One CardiOS, Android
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsPlasma One CardShown in app
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthPlasma One CardShown in app
- ATM limit
- XPlace CardNot available while only the virtual card is livePlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- XPlace CardSolanaPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- XPlace CardStablecoins: USDCPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- XPlace CardNot disclosedPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- XPlace CardStablecoin transfersPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- XPlace CardNot disclosedPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- XPlace Card0.5%Plasma One Card2%
- Max cashback
- XPlace Card4%Plasma One Card10%
- Reward currency
- XPlace CardUSDCPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYPlasma One CardUp to 5% APY
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultPlasma One CardOptional earn vault
- Separate deposit
- XPlace CardYesPlasma One CardYes
- Use balance for spending
- XPlace CardNoPlasma One CardNo
- Lock-up
- XPlace CardNoPlasma One CardNo
Trust & availability
8 fields- Custody
- XPlace CardHybrid custodyPlasma One CardSelf-custody
- Control until payment
- XPlace CardProvider controls fundsPlasma One CardYou keep control
- Card issuer
- XPlace CardThird NationalPlasma One CardRain, Third National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Plasma One Card0x
- Custody / key management
- XPlace CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- XPlace CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Identity verification
- XPlace CardSumsubPlasma One CardNot disclosed
- Programme operator
- XPlace CardNot disclosedPlasma One CardPlasma
Sources
2 fields- Official sources
- XPlace Card26Plasma One Card12
- Last reviewed
- XPlace CardAug 27, 2026Plasma One CardAug 27, 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 68 for XPlace Card. XPlace Card has the lower published FX fee (0–1% vs 0–1%). Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
XPlace Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. XPlace Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet 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 3). 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 XPlace Card and Plasma One Card reviews first.
Continue with
XPlace Card
Continue with
Plasma One Card
05 · Common questions
XPlace vs Plasma One FAQ
Is XPlace or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 vs 68). 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, XPlace or Plasma One?
XPlace Card has the lower published FX fee (0–1% 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, XPlace or Plasma One?
Plasma One Card has the higher published base cashback rate (2% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do XPlace and Plasma One differ on custody?
XPlace Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this XPlace vs Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.