We compare Lava Card and Plasma One side by side: fees, cashback, custody, KYC and country availability, with verified data.
LC Lava Card Official siteA secured Visa credit card backed by your bitcoin - spend dollars, keep the BTC, earn BTC back. | PO Plasma One Official siteThe stablecoin neobank on its own L1: free 2% cashback tier plus yield on idle dollars. | |
|---|---|---|
| Tier | A-Tier - Strong picks | A-Tier - Strong picks |
| Type | Crypto card | Neobank / money app |
| Network | Visa | Visa |
| Custody | Self-custody | Self-custody |
| KYC | Required | Required |
| Card forms | Virtual + Physical | Virtual + Physical |
| Fund with | Crypto, Stablecoins | Stablecoins |
| Monthly fee | No annual fee | Lite tier free; Core $120/yr or 20,000 XPL locked; Platinum requires 100,000 XPL locked |
| Issuance | Free | Virtual card free on Lite |
| FX | No foreign transaction fee; no markup on the official Visa rate | No Plasma fees; partner FX/withdrawal fees shown in-app before confirming |
| ATM | Credit card - designed for purchases, not cash withdrawals | Partner fees apply; disclosed in-app |
| Cashback | 1% - 5% (BTC) | 2% - 4% (XPL (weekly)) |
| Regions | United States, Global | Global, Latin America, Asia-Pacific, Europe |
| Availability | US-first (3% BTC rewards); international users earn 1%. Bitcoin-backed borrowing available in most jurisdictions. | 166 countries as of July 2026; launched publicly in June 2026. |
This is not financial advice. Some links may be affiliate links: they never change the price for you. Verify current terms on the official sites.
