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Kite Card vs Plasma One

Plasma One scores higher on the G2M score: 61/100 against 49/100 (#17 and #24 of 31 cards). Pick Kite Card for a lower FX fee and more countries; pick Plasma One for cashback.

Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review
Plasma One61

#17 of 31 · 2% to 4% back · annual fee none

Get PlasmaRead the review

The short answer

  • Plasma One scores higher on the G2M score: 61/100 against 49/100 (#17 and #24 of 31 cards).
  • Plasma One pays more cashback on its entry tier: 2% against 0%. Higher tiers go up to 5% on Kite Card and 4% on Plasma One.
  • Neither card has an annual fee.
  • Kite Card charges less on foreign currency: a 1.8% FX fee against 2%.
  • Kite Card lists 9 countries where it works; Plasma One does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Plasma One is confirmed in United States.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Kite Card
Plasma One
G2M score
49
61 (better)
Base cashback
0%
2% (better)
Max cashback
5% (better)
4%
Paid in
USD
XPL, weekly
Annual fee
Free
Free
FX fee
1.8% (better)
2%
Top-up fee
0.53%
0.15% (better)
Per-purchase fee
None listed
None listed
ATM
Coming soon
$2 + 2% per USD withdrawal; physical card only, up to $1,000 a withdrawal and 3 a day
Network
Visa
Visa
Card type
Prepaid
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Unclear
United States
No
Yes
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
9
Growing list of countries, full list not published; the US in 31 states
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
17 currencies
19 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Not confirmed
Yes
Tiers
Kite Card
Lite · Core · Platinum
Perks
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)
Earn on your balance until you spend it (variable rate) · Free USDT transfers on Plasma · 1 free virtual card · 5% on AI merchants (first $250 a month) · ChatGPT Go subscription

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Kite Card or Plasma One?

Plasma One scores higher on the G2M score: 61/100 against 49/100 (#17 and #24 of 31 cards). Pick Kite Card for a lower FX fee and more countries; pick Plasma One for cashback. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Kite Card or Plasma One?

Neither card has an annual fee. Kite Card charges less on foreign currency: a 1.8% FX fee against 2%.

Which pays more cashback, Kite Card or Plasma One?

Plasma One pays more cashback on its entry tier: 2% against 0%. Higher tiers go up to 5% on Kite Card and 4% on Plasma One.

Which works in more countries, Kite Card or Plasma One?

Kite Card lists 9 countries where it works; Plasma One does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Plasma One is confirmed in United States.

Who holds my funds with Kite Card and Plasma One?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.