ether.fi Cash vs Plasma One Card
On real usage, ether.fi Cash leads: $141.9M was spent with it in October 2026, against $30.2M for the other card. On our computed rating, ether.fi Cash scores higher (6.8 vs 6.1 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | ether.fi Cash | Plasma One Card |
|---|---|---|
| Our rating | 6.8 / 10 (provisional) | 6.1 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Dual-mode · Self-custody | Self-custody |
| Card formats | Virtual · Physical | Virtual · Physical |
| Availability | Bank transfers available in 162 countries including the US, UK, EU members, UAE, Pakistan, and India; not available in 24 jurisdictions including Russia, China, Belarus, Iran, and North Korea. Physical Cash card available in 31 US states; Belgium and Ireland are Cash-eligible but have no physical card delivery. xStocks trading available in supported EU countries. | Provider does not publish a specific country list on the reviewed page. |
| Rewards | 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. | XPL cashback: 2% on Lite (first $500/month, then 0.1%), 3% on Premium (first $1,000/month, then 2% on the next $1,000, 1% on the next $1,000, 0.25% after), 4% on Platinum (first $3,000/month). Premium's AI benefit is a $200 per year AI spend credit, allocated monthly across an expanded list of AI providers; it replaced the old Core AI cashback bands and ChatGPT Go rebate on 11 November 2026. Premium also adds local merchant rewards in Dubai, London and New York. |
| Pricing | Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. | Lite tier free; Premium (formerly Core) $600 per year or 20,000 XPL lock (about $1,050 at November 2026 prices); Platinum requires 100,000 XPL lock (promotional, rising to 150,000 XPL after). FX: 0% on the first $3,000 of monthly card spend on Premium (Core previously charged 0.5% plus about 1% Visa network FX), 0% on Platinum, 1% markup on Lite plus a Visa network FX fee of about 1%. Bank withdrawals: 0.75% to 1% on Lite, 0.25% to 0.35% on Premium. Existing Core members keep their current benefits until their term ends, then renew at the Premium price with at least 30 days notice. |
| Funding | Crypto deposits carry no ether.fi deposit fee; you pay network gas only. Deposit supported crypto into a non-custodial ether.fi Vault; funds become available for spending in Direct Pay mode or serve as collateral in Borrow mode. Bank transfer funding: USD ACH ($0.50 + 0.10%), USD wire/SWIFT ($20 + 0.10%), EUR SEPA, GBP Faster Payments, AUD, MXN, COP, AED local transfers. | Spends self-custodied stablecoins through the Plasma card program, issued via Rain infrastructure. Direct ETH and HYPE deposits and spending were added on October 28, 2026. Stablecoin balances can earn yield through DeFi protocols within the Plasma ecosystem. Crypto deposits carry a Plasma fee of 0.15% to 0.75% on every tier, plus network and bridge fees; a swap fee applies to USDC deposits, while USDT deposits skip the swap fee. |
| Spent in October 2026 | $141.9M · #2 of 28 tracked · Onchain | $30.2M · #6 of 28 tracked · Onchain |
| Facts checked | 2026-11-12 | 2026-11-12 |
| Cashback used in our math | up to 65%, cap $2,000/month | 2%, cap $500/month |
ether.fi Cash
Crypto holders who want credit-card spending power without selling their assets or giving up custody, plus travel perks.
Plasma One Card
High-spending stablecoin users who can justify a paid tier or XPL lock for up to 4% cashback.
Questions about this pair
Which is used more, ether.fi Cash or Plasma One Card?+
In October 2026, $141.9M was spent with ether.fi Cash and $30.2M with Plasma One Card, across the programs tracked by PaymentScan and republished by Castle Labs. ether.fi Cash is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, ether.fi Cash or Plasma One Card?+
On the published terms in this directory, ether.fi Cash lists: 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. Plasma One Card lists: XPL cashback: 2% on Lite (first $500/month, then 0.1%), 3% on Premium (first $1,000/month, then 2% on the next $1,000, 1% on the next $1,000, 0.25% after), 4% on Platinum (first $3,000/month). Premium's AI benefit is a $200 per year AI spend credit, allocated monthly across an expanded list of AI providers; it replaced the old Core AI cashback bands and ChatGPT Go rebate on 11 November 2026. Premium also adds local merchant rewards in Dubai, London and New York. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between ether.fi Cash and Plasma One Card?+
ether.fi Cash: Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. Plasma One Card: Lite tier free; Premium (formerly Core) $600 per year or 20,000 XPL lock (about $1,050 at November 2026 prices); Platinum requires 100,000 XPL lock (promotional, rising to 150,000 XPL after). FX: 0% on the first $3,000 of monthly card spend on Premium (Core previously charged 0.5% plus about 1% Visa network FX), 0% on Platinum, 1% markup on Lite plus a Visa network FX fee of about 1%. Bank withdrawals: 0.75% to 1% on Lite, 0.25% to 0.35% on Premium. Existing Core members keep their current benefits until their term ends, then renew at the Premium price with at least 30 days notice. Provider fees and regional terms change, so confirm on the official fee pages linked from each profile.
More comparisons
Spend figures are settled payments tracked by PaymentScan and republished by Castle Labs for October 2026; see the spend tracker for methodology and caveats. Ratings are computed from structured listing facts by a fixed formula; see how we rate. This comparison is educational content, not a personal recommendation.