Plutus offers the highest theoretical cashback rate among European crypto cards (up to 9%) and a perk system with 50+ brands (Netflix, Spotify, Aldi, Lidl, Uber, Amazon) that can offset subscription and grocery costs in practice. But the 2026 pricing overhaul removed the free tier, introduced a 2.5% FX fee, and capped eligible monthly spend at £250–£1,000 depending on plan. It's now a niche card for disciplined domestic spenders in the UK/EEA who actively manage perks and understand PLU tokenomics — not a general-purpose card.
The Plutus Card is a debit visa card linked to your Plutus account. Top up via bank_transfer, crypto, then spend anywhere visa is accepted. Earn 3% base cashback in PLU/PLUS on eligible spend up to £250/month. Zero cashback above the cap. cashback on purchases.
Showing fees for Starter tier.
| Fee Type | Amount |
|---|---|
| Annual Fee | $null |
| Monthly Fee | $6.99 |
| Conversion Fee | 1.75% fee on crypto-to-fiat exchange (ETH/PLU to card balance). Free on higher plans. |
| Foreign Exchange Fee | 2.5% on all non-domestic transactions. Domestic GBP/EUR spending is free. |
| Top-up Fee | Free fiat top-up via bank transfer from accounts in your name only. No third-party deposits accepted. |
| ATM Free Limit | $0/mo |
| ATM Fee After Limit | ATM fees apply (exact amount varies). No free ATM allowance on any plan. |
Note: PlutusDEX uses weighted average from major exchanges — no hidden spread. 1.75% conversion fee applies on Starter.
Earn 3% base cashback in PLU/PLUS on eligible spend up to £250/month. Zero cashback above the cap. cashback on purchases. Rewards paid in PLU (as PLUS points, convertible to PLU). Monthly cap: £250/month eligible spend = max £7.50/month in PLU at 3%..
CRY (Compounding Rewards Yield): bonus PLUS earned by holding PLU long-term, rate matches reward level %.
Requires a subscription of $6.99/month.
£6.99/month. Promo discount currently applied — price may increase. 14-day free trial available. £250/month eligible spend for cashback. 1 perk.
✓ Two-factor authentication. ✓ Instant card freeze. ✓ Biometric authentication. Custody model: non-custodial.
Licenses: Plutus registered with the UK FCA., IBAN provided through Dutch banking partner.
Plutus is London-based with FCA oversight. The non-custodial model means your PLU tokens stay in your external wallet — Plutus never holds your crypto. Fiat deposits go into a Netherlands-based IBAN issued in your name. Third-party deposits (salary, exchange withdrawals) to this IBAN are not supported.
Top up your card with 2 cryptocurrencies. Fiat top-ups supported in EUR, GBP.
Plutus is available in the UK and EEA countries. Not available in the US, Asia, LATAM or anywhere else.
2026 pricing overhaul: free tier removed. All plans now paid (Starter £6.99, Everyday £9.99, Premium £19.99). 2.5% FX fee introduced. Perk counts reduced per plan. Eligible spend caps tightened.
Source →Rewards shift from direct PLU tokens to PLUS points (in-app), which can then be converted to PLU. Introduction of 10-tier reward levels based on PLU holdings.
Source →Plutus launches its Visa debit card with PLU cashback rewards, initially with a free tier.
Source →Plutus offers the highest theoretical cashback rate among European crypto cards (up to 9%) and a perk system with 50+ brands (Netflix, Spotify, Aldi, Lidl, Uber, Amazon) that can offset subscription and grocery costs in practice. But the 2026 pricing overhaul removed the free tier, introduced a 2.5% FX fee, and capped eligible monthly spend at £250–£1,000 depending on plan. It's now a niche card for disciplined domestic spenders in the UK/EEA who actively manage perks and understand PLU tokenomics — not a general-purpose card.
Visit Plutus to get started with the Plutus Card.
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