Plasma One: $10.00Fold Card: $15.00on $1,000/mo abroad
Plasma One vs Fold Card
Arithmetic on published base numbers, $1,000 of non-USD spend a month: Plasma One 2% back minus 1% FX = $10.00; Fold Card 1.5% back minus 0% FX = $15.00. Caps, plan fees and payout rules are not in this number, see the rows below.
Cashback (base)2%1.5%
FX on non-USD1%0%
Cashback limits2% on first $500/mo, then 0.1%not stated
Cost$10 deposit (card fee in some regions), no XPL locknot stated
Payoutweekly on Thursdays in XPL, pending a few dayspaid in BTC sats, 30-day lock
Regions150+ countries (Visa); excluded: CU, IR, KP, RU, SY, UA, VEUSA
Annual feeLite $0 (region price may apply) / Core $199/yr or 20k XPL lock / Platinum 100k XPL lock during promo, 150k afterFold card $0 (pricing page)
ATMCash advance: noneIn-network $0; out-of-network $3.50 (free on Fold+)
Sourceissuer help centerissuer help center
Base tier numbers. Higher tiers on each fee sheet: Plasma One, Fold Card.
Questions answered
Which pays more cashback, Plasma One or Fold Card?
Plasma One pays 2% on the base tier, Fold Card pays 1.5%. Limits: Plasma One 2% on first $500/mo, then 0.1%; Fold Card not stated.
Which has lower FX fees, Plasma One or Fold Card?
Plasma One charges 1% on non-USD purchases, Fold Card charges 0%. Published fees only, no receipt data for this pair yet.
Can I get both Plasma One and Fold Card where I live?
Plasma One: 150+ countries (Visa); excluded: CU, IR, KP, RU, SY, UA, VE. Fold Card: USA.