01
05
debit Card•
Plasma One
by Third National
One account for global money. Plasma One is a virtual and physical Visa card issued by Third National. Lite is $0 card cost with 2% base cashback; Core is 3% and Platinum is 4% on the official collection page. Rewards are paid in XPL.
PLASMA ONE
Third National
Cashback
Up to 4%
Annual Fee
Free
Staking
None
4%
Max Cashback
Paid in XPL
$0
Annual Fee
7
Premium Perks
Available Regions
Unique Features
- Official collection: Lite 2%, Core 3% + 5% AI, Platinum 4% + 10% AI
- Rewards paid in XPL
- In-app card freeze or account lock
Pros
- Up to 4% cashback on qualified purchases (Lite 2%, Core 3%, Platinum 4%)
- Lite card cost $0
- Virtual and physical Visa
- Apple Pay on iPhone and Google Pay on Android (availability depends on region and platform rules)
- In-app freeze and account lock
- Non-custodial wallet (issuer terms)
Cons
- FX is not a single published rate (US consumer terms 1% international; International terms up to 1% FX)
- Not a bank; balances are not FDIC, SIPC, or FSCS insured
- Cashback is paid in XPL and can decline in value
- Core and Platinum subscription or XPL lock amounts are only in the in-app Help Center
- US terms are a credit account; International terms are a spend card
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
Global availability (excluding sanctioned regions)
AvailableExcludedUnknown
Available In (1)
Global
Not Available In (10)
BelarusCubaIranMyanmarNorth KoreaRussia
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
IssuanceFree
ShippingFree
ReplacementFree
Tier Comparison
Lite
2% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
Free
Tier Perks
•$0 card cost
•1 free virtual card
•Standard support
•Standard fees
Fee Structure
Annual FeeFree
Monthly FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
Fee Details
FX not stored as a single rate: US consumer terms 1% international; International terms up to 1% FX (non-USD) and 0% cross-border. Lite card cost $0. Core/Platinum subscription and XPL lock amounts live in the in-app Help Center. US cash-advance/ATM issuer fee: None (ATM withdrawals, if enabled, treated as cash advances). International: cash advances and balance transfers are not available. ATM operator fees are not in those tables.
No detailed crypto configuration data available.
Lifestyle Benefits
ChatGPT Go (Core)Core includes a ChatGPT Go subscription ($100 annual value). Source: plasma.org/personal/core.
5% AI cashback (Core)5% cashback on AI spend, up to $500 in purchases per month. Source: plasma.org/personal/core.
ChatGPT Plus (Platinum)Platinum includes ChatGPT Plus. Source: plasma.org/personal and /personal/platinum.
Claude Pro (Platinum)Platinum includes Claude Pro. Source: plasma.org/personal and /personal/platinum.
10% AI cashback (Platinum)10% cashback on AI spend. Source: plasma.org/personal/platinum.
Flight cashback (Platinum)Up to $600/year back on eligible flights (10% cashback with eligible airlines). Source: plasma.org/personal/platinum.
Platinum travel extrasLounge access, Visa concierge, auto rental insurance, travel insurance, baggage delay, lost luggage protection, global eSIM, VIP support. Source: plasma.org/personal/platinum.
