Venmo Credit Card vs Plasma One

Venmo Credit Card scores 10/16, Plasma One scores 10/16 on the CBL Card Score. Here is every criterion side by side.

	Venmo Credit Card	Plasma One
Custody	1 of 2	2 of 2
Issuer and licence	2 of 2	1 of 2
Availability	0 of 2	1 of 2
FX fee on a foreign-currency purchase	2 of 2	0 of 2
Funding cost	0 of 2	1 of 2
Apple Pay and Google Pay	2 of 2	2 of 2
Freeze and dispute policy	2 of 2	1 of 2
Yield on idle balance	1 of 2	2 of 2
Total	10	10

The short verdict: Venmo Credit Card leads overall (10 to 10). Custodial; crypto held apart from PayPal Digital assets, no foreign transaction fee FX. Health: Watch. Check each profile for what still needs confirming before deciding.

Cashback, as of 20 Oct 2026

Venmo Credit Card

3% on dining and entertainment, including streaming; an extra 1% when the purchase is split with a friend on Venmo within 30 days; 3% when checking out with Venmo online or paying a business or a person for goods and services on Venmo; 1% on everything else (official, venmo.com/about/creditcard/rewards, checked 20 Oct 2026). No caps stated. Cards approved after 24 Sep 2026 pay cash back daily; earlier cards pay 1 to 3 days after the statement end (official, help centre FAQ). Cash Back to Crypto buys the chosen asset automatically, with Bitcoin, Ethereum, Litecoin and Bitcoin Cash named on the card page and Solana and Chainlink listed in the crypto FAQ (official).

Plasma One

Paid in XPL. Lite 2% headline, laddered by spend band in the help centre. Core 3% on the first $1,000 a month, 2% on the next $1,000, 1% on the next $1,000, 0.25% after that, plus 5% on AI subscriptions up to $500 a month. Platinum 4% on the first $3,000, 3% on the next $7,000, 2% on the next $5,000, 1% after that, plus 10% on AI spend and on eligible flights up to $600 a year (official, tier pages and rewards addendum, checked 20 Oct 2026). "Rates are variable and subject to change" (official).

Cashback is shown as a dated fact and never scored.