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.

Invitation / application conditions
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Brand representative · tier/region design may differ

Before you apply

Selected tier / planPlatinumPlasma One Platinum

Select where you live, not your travel destination.

Invitation / application conditions

New applications are restricted. Check products currently accepting applications.

Important to check

  • Invitation 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.

Other cards for my residence →

Features & benefits

Plasma’s XPL-lock tier for eligible AI and airline spending.

Rewards · first band
4% base; monthly bands apply
Spending preferences
Spend your own onchain balance
Custody model
Wallet-based

Read the conditions behind the figures · Fees & benefit conditions ↓

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.
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
How the card works
  • Lite pays 2% on the first $500/month, then 0.1%, in XPL.
  • Spending bands apply across all cards on the account; a physical card is not included in Lite.
View cards & plans3

Fees & benefit conditions

Card issuance fee
Up to three virtual cards included
Maintenance / subscription
No cash subscription; 12-month XPL lock
Foreign-currency fee
Plasma 0% + Visa fee (typically about 1%)

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.

Items to verify and where to check · 1

Fields reviewed · 2026-09-09

Documents & application

New applications are restricted. Check products currently accepting applications.

Other cards for my residence →

Full details & support

Full details

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
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.
Official help and support ↗
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.

An alternative to compare
Plasma One Core ↗

Choose Core’s USD subscription if you want upgraded rewards without locking XPL for a year.

Check regional terms
Compare both cards →

Official documentation & sources

Official sources