Premium is the first paid tier on Plasma One. It gives you higher cashback rates, lower fees, AI spend credit, priority support, and more. It is designed for users who want to use Plasma One as their main spending account.

You can subscribe to Premium in one of two ways:

→ See: How do I upgrade my tier?

Earn cashback on eligible card purchases, paid in XPL.

Your cashback rates are tied to your tier, not your card. All cards on your account benefit from your current tier regardless of which card you use to spend. Note: Visa benefits however are tied to the specific card used to make the purchase.

Cashback is calculated at the point your transaction settles or is captured, not when it is authorised.

Cashback is currently paid out weekly (currently on Thursdays). Rewards may remain pending for several days after a transaction posts and vest only at the end of the pending period. Payout timing may change.

→ See: How cashback works on Plasma One

Premium includes $200 a year in AI spend credit, allocated monthly (about $16.67 a month). It is paid as spend credit, and unused monthly credit does not roll over.

→ See: How does the AI spend credit work?

→ See: How do I refer a friend?

Premium includes 0% FX on up to $3,000 of card spend a month, which also covers Visa's roughly 1% network fee. Non-USD ATM withdrawals count toward the allowance.

→ See: Does Plasma One charge FX fees?

Premium includes local rewards.

→ See: Overview of Plasma One perks and benefits

→ See: How many cards can I have?

→ For a fee breakdown on FX, onramp and offramps fees, see: What are the fees on Plasma One?

Premium members receive priority support.

Premium includes a range of Visa Signature purchase and travel benefits.

Visa benefits apply to purchases made with the corresponding card. Signature benefits require a Signature card, Infinite benefits require an Infinite card.

→ See: Overview of Plasma One perks and benefits

Premium does not include:

These are available on Platinum.

→ See: How does Platinum work?

→ See: Comparing Standard, Premium, and Platinum

Full details on cashback eligibility, referral conditions, and tier benefits are in the Plasma One Rewards Addendum.

Rates, amounts, limits, eligible merchants and perks are the parameters currently in effect. They are variable and may change prospectively in accordance with the Plasma One Rewards Addendum.

XPL is a digital asset. It is not legal tender, is not a bank deposit, is not government-backed, and is not FDIC or FSCS insured. Its value can fall as well as rise and may decline to zero.

UK users: Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk. See the additional disclaimers here.