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Krak Card vs Plasma One

Plasma One scores higher on the G2M score: 61/100 against 60/100 (#16 and #18 of 26 cards). Pick Krak Card for a lower FX fee and more countries; pick Plasma One for cashback and control of your funds.

Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead the review
Plasma One61

#16 of 26 · 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 60/100 (#16 and #18 of 26 cards).
  • Plasma One pays 2% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card and 4% on Plasma One.
  • Neither card has an annual fee.
  • Krak Card charges less on foreign currency: a 1% FX fee against 2%.
  • Krak Card lists 32 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 Krak Card is confirmed in United Kingdom and EU / EEA.
  • Krak Card is custodial; Plasma One is 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
Krak Card
Plasma One
G2M score
60
61 (better)
Base cashback
Not published
2%
Max cashback
2%
4% (better)
Paid in
Not published
XPL, weekly
Annual fee
Free
Free
FX fee
1% (better)
2%
Top-up fee
0% (better)
0.15%
Per-purchase fee
None listed
None listed
ATM
Supported; fees not published
$2 + 2% per USD withdrawal; physical card only, up to $1,000 a withdrawal and 3 a day
Network
Visa / Mastercard
Visa
Card type
Debit
Spend
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
No
Unclear
United States
Yes
Yes
United Kingdom
Yes
Unclear
EU / EEA
Yes
Unclear
Countries
32
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
3 currencies
19 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Krak Card
Lite · Core · Platinum
Perks
—
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, Krak Card or Plasma One?

Plasma One scores higher on the G2M score: 61/100 against 60/100 (#16 and #18 of 26 cards). Pick Krak Card for a lower FX fee and more countries; pick Plasma One for cashback and control of your funds. 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, Krak Card or Plasma One?

Neither card has an annual fee. Krak Card charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Krak Card or Plasma One?

Plasma One pays 2% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card and 4% on Plasma One.

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

Krak Card lists 32 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 Krak Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Krak Card and Plasma One?

Krak Card is custodial; Plasma One is 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.