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Plasma One / Card review
Self-custodial stablecoin Visa
Plasma One Platinum
An invite-only card funded with USDT, USDC or USDG that spends your own onchain balance.
- Rewards · first band
- 4% base; monthly bands apply
- Foreign-currency fee
- Plasma 0% + Visa fee (typically about 1%)
- Card issuance fee
- Up to three virtual cards included
- Maintenance / subscription
- No cash subscription; 12-month XPL lock
Your selected card: before you apply.
Selected tier / planPlatinumPlasma One Platinum
Invitation / application conditionsNew applications are restricted. Check products currently accepting applications.
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- Up to three virtual cards included
Maintenance / subscription: No cash subscription; 12-month XPL lock
Items to verify and where to check · 1
- Maintenance / subscriptionOfficial sources differ; verify final feePlatinum has only a 12-month XPL lock, with no cash subscription. Its current description says 100,000 XPL, while the promotion article says the standard is 150,000 after 30 launch days; verify the current lock in the app.
Fields reviewed · 2026-09-09
Why choose this card
Plasma’s XPL-lock tier for eligible AI and airline spending.
A good fit if
For users who use the higher AI and airline reward categories enough to consider Platinum’s mandatory token lock.
The tradeoff
XPL stays locked for 12 months without early release; rewards fluctuate in XPL, and category bonuses have separate merchant limits.
Choose Core’s USD subscription if you want upgraded rewards without locking XPL for a year.
Check regional termsFees & rewards
Platinum
- Rewards · first band
- 4% base; monthly bands apply
- Foreign-currency fee
- Plasma 0% + Visa fee (typically about 1%)
- Card issuance fee
- Up to three virtual cards included
- Maintenance / subscription
- No cash subscription; 12-month XPL lock
Read the conditions behind the figures
Access requires a 12-month XPL lock with no cash subscription. AI 10% and airline rewards have separate category rules; ordinary base cashback is 4%.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Spend your own onchain balance · USDT / USDC / USDG
Complete the account and card onboarding
Before you apply
Invitation / application conditionsInvitation and KYC required; confirm issuance eligibility for your country. Current help pages qualify the homepage’s free-card and 2% claims with regional fees and cashback bands.
Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.
Refunds & support
A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.
- Cancellations, refunds and support
- Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
- Cancellation and subscriptions
- Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
- Declined or unfamiliar transactions
- Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
- What to prepare for support
- Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Practical payment facts
Narrow by supported features · brand guidance, subject to regional and tier conditions.
- Funding / spending assets
- USDT · USDC · USDG
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD-denominated stablecoin balance
- Conversion timing
- Official confirmation needed
- Virtual card
- Listed · check region and plan
- Physical card
- Official confirmation needed
- Apple Pay
- Listed · check region and plan
- Google Pay
- Listed · check region and plan
- Recurring payments
- Official confirmation needed
Brand and custody
- Card issuer / operator
- Rain (product page); Third National named in rewards terms — confirm regional card agreement
- Custody of funded balances
- User-held stablecoin balance; Bridge provides regional global-account services
The backing stablecoins remain user-held and are not bank deposits. Rain issues the card, Bridge handles regional account services, and you can freeze the card in the app.
Official sources
personal ↗plasma one rewards ↗
Plasma One — Supported countries and US states ↗
Plasma One — Account access ↗
Plasma One — Lite plan ↗
Plasma One — Fees ↗
Plasma One — Referral cashback ↗
Plasma One — How funds are held ↗
Plasma One — Add money ↗
Platinum ↗
Plasma card FX markups and Visa fees ↗
Plasma Platinum current description ↗
Plasma Platinum introductory lock terms ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026