Plasma One
Platinum Worth It?
Model the card value, cost of the lock, and optional hedge in one annual outcome.
Plasma One access
One-time invite codes
Share these Plasma One access codes individually. Each code can be redeemed once.
App Store
One-time use only
1 · Card value
What will you actually use?
Count only eligible spend and benefits that replace money you already pay.
$3,000
gross / year
Base-category spend / month
$
$0$100,000
Platinum FX
0% added fee
Category cashback & benefits
Enter direct, eligible purchases only. Category rates replace base cashback.
$480/yr
Deeper analysis
Pressure-test the result
Base cashback
Marginal monthly tiers from 4% to 1% on $72,000 base-category spend
$2,520
AI cashback
10% first $500 · 5% next $500 · 1% above, replacing base
$0
Airline cashback
10% on up to $3K each half-year · $600/year maximum
$0
AI subscriptions
Higher of the monthly USD rebate or AI cashback
$480
Referral cashback
1% standard · promotional 3% capped at $300 per qualifying referral
$0
Other perks
User-valued travel, Visa, and other benefits
$0
AI and airline rates replace base cashback; they do not stack. Put airline spend beyond each $3,000 half-year allowance into base-category spend.
Cashback is currently paid weekly in XPL. Its realized value can change before you sell or spend it.