Bitwala Card vs Plasma One Card
Crypto native
Crypto native
Verdict
- Bitwala Card scores higher overall (7.0 vs 6.9 out of 10).
- Plasma One Card is clearly stronger on: Fees, Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala Card is a good fit for
- Stablecoin holders
Plasma One Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Fees, Product features, Custody & security
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitwala Card | Plasma One Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | – | 55 |
| Availability | 100 | – |
| FX & international | – | – |
| Product features | 58 | 70 |
| Custody & security | 70 | 85 |
| Credit & financing | 30 | – |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 6.5 |
| Best for Travel | 6.6 | n/a |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.2 | 7.3 |
| Best for Stablecoins | 6.8 | 7.6 |
| Best for High Spenders | n/a | 6.3 |
| Best for Low Fees | 7.6 | 8.0 |
| Best for Beginners | 7.9 | 7.9 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
Self-custodyShow source
Card issuer / program manager
Rain (Visa Principal Member); account services by BridgeShow source
Tiers / plans
Lite · Core · PlatinumShow source
Fees
Monthly fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Lite tier (card cost $0); Core and Platinum are paid tiers; partner fees (FX, bank withdrawals) shown in the app
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
Virtual card fee
€0.99Show source
FreeConditions apply: tap or hover for detailsShow source
Lite: 1 free virtual card; Core up to 2, Platinum up to 3
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
ATM fee
€2 + 1%Show source
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Partner fees on foreign exchange and bank withdrawals (shown in the app before you confirm)Conditions apply: tap or hover for detailsShow source
Platinum: Plasma covers the Visa FX fee
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Lite tier; Core 3%, Platinum 4% (AI cashback 5% / 10%)
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Platinum tier base cashback; AI spend 10%
Cashback paid in
XPLShow source
Cashback type
Platform tokenShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to; variable, via DeFi vaults, not guaranteed; varies by tier
Cashback conditions
Platinum: 4% on first $3,000 monthly spend, 3% on next $7,000, 2% on next $5,000, 1% on the rest · Platinum: exclusively for XPL holders; up to $600/year flight cashback on eligible airlinesShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Platinum tier requires locking XPL
Staking asset
XPLConditions apply: tap or hover for detailsShow source
Lock 100,000 XPL for 12 months for Platinum
Credit & financing
Credit line
NoShow source
Availability
Available in
EEAShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · USDC · EURShow source
Security & custody
Regulation / licences
Plasma is not a regulated financial institution · Account services by Bridge (US: Bridge Building Inc.; EEA: Bridge Building Sp. Z.o.o.; others: Bridge Building Limited) · Card issued by Rain, Visa Principal MemberShow source
Deposit protection
NoShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to the Earn feature (third-party DeFi vaults)
Annual cost at 1,500 EUR/month
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 EUR
- Cashbackunknown
- Net annual valuenot enough data
Plasma One Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers