ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Plasma One: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 10 points (87 vs 77). ZEN Card looks stronger for Travel, while Plasma One Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Aug 27, 202655 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. ZEN 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.
OverallZEN77Plasma One87Higher score
CashbackZEN39Plasma One78Higher score
TravelZEN96Plasma One72Higher score
Funds controlZEN65Plasma One99Higher score
Lowest feesZEN80Plasma One80Same score
TransfersZEN98Plasma One100Higher score
Choose ZEN Card if travel matters most
ZEN 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
Choose Plasma One Card if cashback and funds control matter most
Plasma One Card comes out ahead for Cashback, Funds control, 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
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
- ZEN77Plasma One87
Plasma One Card has the higher Overall Score by 10 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXPlasma One$0 plan · 0–1% FX
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%).
- Purchase rewards
- ZEN0% basePlasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- ZENCustodial balancePlasma OneSelf-controlled wallet
ZEN Card uses a custodial balance 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
- ZENVirtual + 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
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA 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 5).
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.
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- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 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
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
CardsZEN CardOverall77Plasma One CardOverall87
ZEN CardOverall77Plasma One CardOverall87Scores
6 fields- Overall Score
- ZEN Card77Plasma One Card87
- Cashback score
- ZEN Card39Plasma One Card78
- Travel score
- ZEN Card96Plasma One Card72
- Funds control score
- ZEN Card65Plasma One Card99
- Lowest fees score
- ZEN Card80Plasma One Card80
- Transfers score
- ZEN Card98Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback ratePlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- ZEN Card$0Plasma One Card$0
- FX fee
- ZEN Card0–0.5%Plasma One Card0–1%
- Top-up fee
- ZEN Card0–3%Plasma One Card0%
- Card spending fee
- ZEN Card0%Plasma One CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Plasma One CardNot available
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Plasma One CardUp to 3 free virtual cards by tier
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Plasma 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
- ZEN Card4 plans: Free, Gold, Platinum, ProPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- ZEN CardFree: 0%Plasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaPlasma One CardVisa
- Card formats
- ZEN CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailablePlasma One CardNot available
- Mobile wallets
- ZEN CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebPlasma One CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Plasma One CardShown in app
- Monthly spending limit
- ZEN CardNot publicly confirmedPlasma One CardShown in app
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Plasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedPlasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- ZEN CardEURPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- ZEN Card0%Plasma One Card2%
- Max cashback
- ZEN CardNot disclosedPlasma One Card10%
- Reward currency
- ZEN CardTransaction currencyPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- ZEN CardNot offeredPlasma One CardUp to 5% APY
- How it works
- ZEN CardNot offeredPlasma One CardOptional earn vault
- Separate deposit
- ZEN CardNot offeredPlasma One CardYes
- Use balance for spending
- ZEN CardNot offeredPlasma One CardNo
- Lock-up
- ZEN CardNot offeredPlasma One CardNo
Trust & availability
7 fields- Custody
- ZEN CardCustodialPlasma One CardSelf-custody
- Control until payment
- ZEN CardProvider controls fundsPlasma One CardYou keep control
- Card issuer
- ZEN CardUAB ZEN.COMPlasma One CardRain, Third National
- Card processing
- ZEN CardNot disclosedPlasma One Card0x
- Custody / key management
- ZEN CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCPlasma One CardBridge, Bridge Ventures LLC
- Programme operator
- ZEN CardNot disclosedPlasma One CardPlasma
Sources
2 fields- Official sources
- ZEN Card43Plasma One Card12
- Last reviewed
- ZEN CardAug 23, 2026Plasma One CardAug 27, 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 77 for ZEN Card. ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). Plasma One Card has the higher published base cashback rate (2% vs 0%).
ZEN 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. ZEN Card uses a custodial balance 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 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 ZEN Card and Plasma One Card reviews first.
Continue with
ZEN Card
Continue with
Plasma One Card
05 · Common questions
ZEN vs Plasma One FAQ
Is ZEN or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 vs 77). 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, ZEN or Plasma One?
ZEN Card has the lower published FX fee (0–0.5% 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, ZEN or Plasma One?
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 ZEN and Plasma One differ on custody?
ZEN Card uses a custodial balance 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 ZEN vs Plasma One comparison?
The latest information check for these two cards was August 27, 2026, using 55 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.