#10 of 26VisaSpendSelf-custodial
Plasma One
Self-custodial Visa from Plasma that spends USDT, with cashback paid in XPL. The free Lite tier pays 2% on your first $500 a month.
Key facts
- Cashback
- 2% to 4% in XPL, weekly
- Annual fee
- Free
- FX fee
- 2%
- Top-up fee
- Not published
- Per-purchase fee
- None listed
- ATM
- $2 + 2% per USD withdrawal; physical card only, up to $1,000 a withdrawal and 3 a day
- Card types
- virtual, physical
- Mobile wallets
- Apple Pay + Google Pay
Cashback: Lite: 2% on the first $500 a month, then 0.1%. Core: 3% stepping down to 0.25%. Platinum: 4% stepping down to 1%. AI merchants and partner airlines earn up to 10% on higher tiers.
FX: Lite: 1% Plasma markup plus about 1% Visa FX. Core: 0.5% plus about 1%. Platinum: no FX fee.
G2M score worldwide
Rewards16/40
Fees20/30
Coverage13/20
Control10/10
Where it works
- IndiaNot confirmed
- UAENot confirmed
- United StatesAvailable
- United KingdomNot confirmed
- EU / EEANot confirmed
Growing list of countries, full list not published; the US in 31 states. Includes United States.
Tiers and plans
| Tier | Cost per year | Cashback | Monthly cap | FX fee | How to get it | Perks |
|---|---|---|---|---|---|---|
| Lite | Free | 2% up to $500/mo, 0.1% above $500 | — | 2% | Free to join | 1 free virtual card |
| Core | $199Or lock 20,000 XPL for 12 months instead | 3% up to $1,000/mo, 2% up to $2,000/mo, 1% up to $3,000/mo, 0.25% above $3,000 | — | 1.5% | $199 a year, or lock 20,000 XPL for 12 months | 5% on AI merchants (first $250 a month) · ChatGPT Go subscription · Up to 2 free virtual cards |
| Platinum | FreeNo fee; needs 100,000 XPL locked for 12 months | 4% up to $3,000/mo, 3% up to $10,000/mo, 2% up to $15,000/mo, 1% above $15,000 | — | 0% | Lock 100,000 XPL for 12 months | 10% on AI merchants (first $500 a month) · 10% on partner airlines, up to $600 a year · Lounge access · Visa concierge · Travel insurance |
What's good
- 2% back on the free tier, up to 4% on Platinum
- Self-custodial: Plasma does not hold your funds
- No FX fee on Platinum
Watch out for
- Lite drops to 0.1% after $500 a month
- Cashback is paid in XPL, so its value moves with the token
- Indian ID documents are blocked by default at sign-up
More details
- Other fees
- Crypto deposits: 0.15% to 0.75% Plasma fee plus network fees
- Perks
- Earn on your balance until you spend it (variable rate) · Free USDT transfers on Plasma
- Spend from
- USDT
- Issuer
- Rain
Sources · last checked 22 Oct 2026
- Plasma Help Center: fees on Plasma One · 22 Oct 2026
- Plasma Help Center: cashback rates and spend bands by tier · 22 Oct 2026
- Plasma Help Center: countries and US states · 22 Oct 2026
- Plasma Help Center: ATM withdrawals · 22 Oct 2026
- Plasma: Core and Platinum tiers · 22 Oct 2026
Terms change often. Confirm fees and availability on the official Plasma site before you apply. Spotted something out of date? Tell us.