Exa Card (Uphold) vs Plasma One Card
Crypto native
Crypto native
Verdict
- Plasma One Card scores higher overall (6.9 vs 6.5 out of 10).
- Plasma One Card is clearly stronger on: Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
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: 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 | Exa Card (Uphold) | Plasma One Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 55 |
| Availability | – | – |
| FX & international | – | – |
| Product features | 53 | 70 |
| Custody & security | 70 | 85 |
| Credit & financing | 60 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 6.5 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.8 | 7.3 |
| Best for Stablecoins | n/a | 7.6 |
| Best for High Spenders | n/a | 6.3 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 7.3 | 7.9 |
| Best Crypto Credit Card | 7.0 | n/a |
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
Crypto-backed creditShow source
Stablecoin cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
Self-custodyShow source
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
Rain (Visa Principal Member); account services by BridgeShow source
Tiers / plans
Lite · Core · PlatinumShow source
Fees
Annual fee
FreeShow source
Monthly fee
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
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FreeConditions apply: tap or hover for detailsShow source
Lite: 1 free virtual card; Core up to 2, Platinum up to 3
Other fees & markups
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
YesShow source
Credit type
InstalmentsConditions apply: tap or hover for detailsShow source
One payment or up to 8 fixed-rate installments every 28 days
Collateral assets
BTC · ETH · USDC · XRPShow source
Interest notes
Fixed APR per payment option, confirmed at purchaseShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Spending limit depends on collateral value and health score
Spend by borrowing against collateral
YesShow source
Features
Apple Pay
YesShow source
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
NoShow source
YesShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow 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
Exa Card (Uphold)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- 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