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.
$3,020
gross / year
Base-category spend / month
$
$0$100,000
Spend currency
USDNon-USD (+1.0% fee)
Category cashback & benefits
Enter AI and airline spend separately. Their rates replace base cashback.
$500/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% first $500 · base tiers above, replacing base
$0
Subscriptions
Only services you already use
$500
Non-USD Visa fee
1.0% of card spend when purchases are not in USD
-$0
Other & referrals
Additional annual value
$0
AI and airline cashback replace base cashback for those purchases; they do not stack. Subscription value counts only when it replaces an expense.