Rewards calculator
What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.
Tiers of Avalanche Card and Plasma One at $1,000 a month · best for you: Plasma Platinum ($462 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $480 | $0 | $0 | −$18.03 | $462 | Needs: Lock 100,000 XPL for 12 months (~$7,655) | |
| $360 | −$199 | −$18.00 | −$18.05 | $125 | Or hold 20,000 XPL (~$1,531) | |
Plasma OneLiteFree | $126 | $0 | −$24.00 | −$18.06 | $83.94 | |
Avalanche CardUnited StatesFree | $0 | $0 | −$24.00 | $0 | −$24.00 | Cashback rate not published |
Avalanche CardGlobalFree | $0 | $0 | −$36.00 | $0 | −$36.00 | Cashback rate not published |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | Plasma Platinum | $115 |
| $500 | Plasma Platinum | $231 |
| $1,000 | Plasma Platinum | $462 |
| $2,000 | Plasma Platinum | $924 |
| $3,000 | Plasma Platinum | $1,386 |
| $5,000 | Plasma Platinum | $2,070 |
| $10,000 | Plasma Platinum | $3,780 |
Avalanche Card
- United States (free) beats Global (free) once you spend $1 a month.
Plasma One
- Core ($199/yr) beats Lite (free) once you spend $885 a month. Or hold 20,000 XPL (~$1,531).
- Platinum (free) keeps you more than Core ($199/yr) at any spend. Needs: Lock 100,000 XPL for 12 months (~$7,655).
Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify
Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.