Wirex One Card vs Plasma One Card
On real usage, Wirex One Card leads: $54.8M was spent with it in October 2026, against $30.2M for the other card. On our computed rating, Plasma One Card scores higher (6.1 vs 4.5 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | Wirex One Card | Plasma One Card |
|---|---|---|
| Our rating | 4.5 / 10 (provisional) | 6.1 / 10 (provisional) |
| Network | Visa or Mastercard | Visa |
| Model | Debit · Prepaid | Self-custody |
| Card formats | Virtual · Physical · Visa Signature Metal | Virtual · Physical |
| Availability | Wirex advertises availability in 150+ countries, subject to product and jurisdictional restrictions. | Provider does not publish a specific country list on the reviewed page. |
| Rewards | Wirex advertises 0.5% to 8% cashback in USD depending on membership tier. | 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 | The reviewed product page advertises no monthly or annual card fee; applicable terms and regional charges should be checked with Wirex. | 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 | Spend crypto and fiat through the Wirex One app; conversion and supported-asset details depend on the account and region. In October 2026 Wirex One was reported to support Apple Pay top-ups (no Wirex fee on local card top-ups, instant settlement; USD top-ups carry a conversion fee as payments process in EUR, and the user's card issuer may add its own fee; availability is region-dependent), with Google Pay top-ups also reported. | 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 | $54.8M · #4 of 28 tracked · Onchain | $30.2M · #6 of 28 tracked · Onchain |
| Facts checked | 2026-10-19 | 2026-11-12 |
| Cashback used in our math | 0.5% to 8% | 2%, cap $500/month |
Wirex One Card
People looking for a broad international card proposition with virtual, physical, and metal formats.
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, Wirex One Card or Plasma One Card?+
In October 2026, $54.8M was spent with Wirex One Card and $30.2M with Plasma One Card, across the programs tracked by PaymentScan and republished by Castle Labs. Wirex One Card is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, Wirex One Card or Plasma One Card?+
On the published terms in this directory, Wirex One Card lists: Wirex advertises 0.5% to 8% cashback in USD depending on membership tier. 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 Wirex One Card and Plasma One Card?+
Wirex One Card: The reviewed product page advertises no monthly or annual card fee; applicable terms and regional charges should be checked with Wirex. 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.