Head to head
Plasma One vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Pl Plasma One | Co Coca Card |
|---|---|---|
| Overall rank | #24 of 27 | #1 of 27 |
| FX spread | 1% | 0% |
| Base cashback | 2 | 1% in USDC, paid on the 10th |
| Custody | Non-custodial | Non-Custodial |
| Virtual card | Free, Core tier is ~$120-$199/yr or 10,000-20,000 XPL lock; Platinum tier is 100,000 XPL lock | Free |
| Physical card | Upper tiers only | $1 + international shipping |
| Spend limit | $30,000/day | $30,000 / month |
| ATM withdrawals | No ATM access on Lite tier | Fee-free up to $250/month, network fees apply above |
| Setup time | 10 minutes | ~8 minutes |
| KYC steps | 3 | 4 |
| Score | 6.5/10 | 9.2/10 |
Plasma One
Plasma One combines self-custodial stablecoin spending with integrated vault yield, removing the usual swap step before you pay. The free tier is limited; premium-tier cashback is paid entirely in XPL, and FX fees are high
Coca Card
Coca takes the top spot because it pairs a genuinely non-custodial wallet with stablecoin cashback that cancels out its FX spread. A single-tier upgrade unlocks up to 8% cashback, 50% off subscriptions and 5% APY, which is the best value on offer anywhere in this ranking. It's also a useful crypto wallet entirely on its own. The crypto wallet includes WalletConnect, meaning you can integrate it into your own apps.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+