More from
life on the move
Airport lounge access coming soon.
The extras that make a full day feel easier.
- Everyday cashback
- 2%
- Annual fee
- $600
- Annual AI credit
- $200
One global account. Three ways to make more of it. Find the spending, travel and support benefits that fit your life.
See what comes with
each membership
Compare how each membership supports your spending, your time away and the moments you need help.
| StandardEveryday essentials, free | PremiumFor a life on the move | PlatinumMore of the world, included | |
|---|---|---|---|
| Physical card | Not included | Physical card included | Platinum metal card |
| Virtual cards | 1 | 2 | 3 |
| Everyday cashback | Up to 1% | Up to 2% | Up to 3% |
| Airlines credit | Not included | Not included | 10%Up to $300 each half-year |
| AI credit | Not included | $200 yearlyAllocated monthly | $500 yearlyAllocated monthly |
| Wellness credit | Not included | Not included | 20%Up to $100 each half-year |
| Localized rewards | Not included | $10/month | $50/month |
| Referral cashback | 0.25% | 1% | 1% |
| FX fees on spending | 1% markup | 0% up to $3,000/mo1% thereafter | Unlimited 0% |
| Airport lounge visits | Not included | Coming soon | Unlimited |
| Global eSIM | |||
| Purchase protection | |||
| Travel insurance | Not included | ||
| Rental car insurance | |||
| Support | Standard | Priority | 24/7 direct contact |
Pay once for a year of benefits. | Standard: $0 / year | Premium: $600 / year | Platinum: $2,500 / year |
Pay once for a year of benefits.
Platinum Membership
Choose the fullest
Plasma membership
Unlimited 0% FX. Unlimited lounges.
A direct line to someone who knows you.
- Airport lounge access
- Unlimited
- No monthly cap
- 0% FX
- Flight credit
- $600
More from
Start with
the essentials
A free account for spending, sending and earning rewards wherever life takes you.
- Everyday cashback
- Up to 1%
- Annual fee
- Free
- Virtual card
- 1
A few things
to know
Is there a free membership?
Yes. Standard has no membership fee and includes a US dollar account, a virtual card and up to 1% cashback on eligible spending. Transaction fees and eligibility terms apply.
Can I start free and upgrade later?
Yes. Start with Standard and upgrade to Premium or Platinum in the app when you want more benefits.
What’s the difference between Premium and Platinum?
Premium adds a physical card, higher cashback and benefits for travel and work. Platinum offers our highest cashback rate, unlimited 0% FX on spending and more extensive benefits and support.
How can I pay for my membership?
Premium is $600/year and Platinum is $2,500/year. Alternatively, lock 20,000 XPL for Premium or 100,000 XPL for Platinum for 12 months, without paying a cash membership fee for that year.
Does my cashback rate change when I upgrade?
Your membership determines your everyday cashback tier: up to 1% with Standard, 2% with Premium and 3% with Platinum. Higher cashback rates apply to eligible wellness and airline spending, depending on your membership. Cashback is earned in XPL on eligible purchases. Terms apply.
Are airport lounges included?
Platinum includes unlimited airport lounge access. Airport lounge visits for Premium are coming soon.
What is XPL locking?
XPL locking is another way to get Premium or Platinum. Instead of paying the annual membership fee, lock 20,000 XPL for Premium or 100,000 XPL for Platinum for 12 months. Your XPL stays locked for that period, and you receive the membership benefits.
Start with Standard, or make room for more.