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PEXX Card vs Plasma One

PEXX Card scores higher on the G2M score: 62/100 against 57/100 (#19 and #22 of 39 cards). Pick PEXX Card for a lower FX fee and more countries; pick Plasma One for control of your funds.

PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review
Plasma One57

#22 of 39 · 1% to 3% back · annual fee none

Get PlasmaRead the review

The short answer

  • PEXX Card scores higher on the G2M score: 62/100 against 57/100 (#19 and #22 of 39 cards).
  • Both pay 1% cashback on their entry tier. Higher tiers go up to 3% on Plasma One.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.
  • PEXX Card lists 68 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 PEXX Card is confirmed in United Kingdom, EU / EEA and UAE, and only Plasma One is confirmed in United States.
  • PEXX Card is custodial; Plasma One is non-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
PEXX Card
Plasma One
G2M score
62 (better)
57
Base cashback
1%
1%
Max cashback
1%
3% (better)
Paid in
PEXX Points
XPL, weekly
Annual fee
Free
Free
FX fee
1.2% (better)
2%
Top-up fee
0% (better)
0.15%
Per-purchase fee
0.6%
None listed
ATM
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
Non-custodial
Sign-up bonus (G2M link)
None published
$10 spend credit each after you spend $100 at 2+ shops within 14 days (not paid for Nigeria, Bangladesh or Kenya IDs); $200 each after $10,000 within 60 days
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
Yes
Unclear
United States
No
Yes
United Kingdom
Yes
Unclear
EU / EEA
Yes
Unclear
Countries
68
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
Yes
Yes
Tiers
PEXX Card
Standard · Premium · Platinum
Perks
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines
Earn on your balance until you spend it (variable rate) · Free USDT transfers on Plasma · 1 free virtual card · Visa Signature physical card · No FX fee on the first $3,000 a month

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 12 Nov 2026; see each card's review for its sources.

Questions

Which is better, PEXX Card or Plasma One?

PEXX Card scores higher on the G2M score: 62/100 against 57/100 (#19 and #22 of 39 cards). Pick PEXX Card for a lower FX fee and more countries; pick Plasma One for 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, PEXX Card or Plasma One?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.

Which pays more cashback, PEXX Card or Plasma One?

Both pay 1% cashback on their entry tier. Higher tiers go up to 3% on Plasma One.

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

PEXX Card lists 68 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 PEXX Card is confirmed in United Kingdom, EU / EEA and UAE, and only Plasma One is confirmed in United States.

Who holds my funds with PEXX Card and Plasma One?

PEXX Card is custodial; Plasma One is non-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.