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 Ethena Pay and Plasma One at $1,000 a month · best for you: Ethena VIP ($588 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $600 | $0 | −$12.00 | $0 | $588 | Tier price not published · Needs: Lock $10000 in ENA or invite 50 users | |
Ethena PayProPrice not published | $540 | $0 | −$12.00 | $0 | $528 | Tier price not published · Needs: Lock $2000 in ENA or invite 10 users |
Ethena PayStandardFree | $480 | $0 | −$12.00 | $0 | $468 | |
| $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 |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | Ethena VIP | $147 |
| $500 | Ethena VIP | $294 |
| $1,000 | Ethena VIP | $588 |
| $2,000 | Ethena VIP | $1,176 |
| $3,000 | Ethena VIP | $1,764 |
| $5,000 | Ethena VIP | $2,940 |
| $10,000 | Ethena VIP | $5,880 |
Ethena Pay
- Pro (price not published) vs Standard (free): can’t be compared, the price is not published. Needs: Lock $2000 in ENA or invite 10 users.
- VIP (price not published) vs Pro (price not published): can’t be compared, the price is not published. Needs: Lock $10000 in ENA or invite 50 users.
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.