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Plasma One vs Solayer Card

Plasma One scores higher on the G2M score: 61/100 against 47/100 (#16 and #23 of 26 cards). Pick Plasma One for cashback and a lower annual fee; pick Solayer Card for a lower FX fee and more countries.

Plasma One61

#16 of 26 · 2% to 4% back · annual fee none

Get PlasmaRead the review
Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead the review

The short answer

  • Plasma One scores higher on the G2M score: 61/100 against 47/100 (#16 and #23 of 26 cards).
  • Plasma One pays 2% cashback on its entry tier; Solayer Card does not publish a rate. Higher tiers go up to 4% on Plasma One.
  • Plasma One has no annual fee; Solayer Card costs $20 a year.
  • Solayer Card charges less on foreign currency: a 1.5% FX fee against 2%.
  • Solayer Card is confirmed in more countries: 154 against 1, though neither publishes a full list.
  • 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
Plasma One
Solayer Card
G2M score
61 (better)
47
Base cashback
2%
Not published
Max cashback
4%
Not published
Paid in
XPL, weekly
Points
Annual fee
Free (better)
$20
FX fee
2%
1.5% (better)
Top-up fee
0.15% (better)
1%
Per-purchase fee
None listed
$0.15
ATM
$2 + 2% per USD withdrawal; physical card only, up to $1,000 a withdrawal and 3 a day
Supported; fee not published
Network
Visa
Visa
Card type
Spend
Credit
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
No
United States
Yes
Yes
United Kingdom
Unclear
No
EU / EEA
Unclear
No
Countries
Growing list of countries, full list not published; the US in 31 states
154
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
19 currencies
No
Buy and sell crypto with fiat
Buy and sell
No
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Lite · Core · Platinum
Membership
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
Referral points

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, Plasma One or Solayer Card?

Plasma One scores higher on the G2M score: 61/100 against 47/100 (#16 and #23 of 26 cards). Pick Plasma One for cashback and a lower annual fee; pick Solayer Card for a lower FX fee and more countries. 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, Plasma One or Solayer Card?

Plasma One has no annual fee; Solayer Card costs $20 a year. Solayer Card charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Plasma One or Solayer Card?

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

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

Solayer Card is confirmed in more countries: 154 against 1, though neither publishes a full list.

Who holds my funds with Plasma One and Solayer Card?

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.