Plutus Card
Issued by Plutus on the Visa network
- KYC required
- 9% cashback
- Custodial
- Virtual
- Physical
A fiat-funded Visa debit card that pays 3% back in Plutus's PLU token, rising to up to 9% through reward levels, on a monthly spend cap set by your paid plan.
Verdict
Plutus is the reverse of most crypto cards: you top up with fiat and earn a crypto token, PLU, as cashback. That headline "up to 9%" needs two qualifiers. First, every plan is paid — Plutus's plans page shows Starter at £6.99, Everyday at £9.99 and Premium at £19.99 per month (the page labels these as promotional prices), and each earns 3% on a monthly spend cap of £/€250, £/€500 and £/€1,000 respectively. Second, the climb from 3% to 9% depends on reward levels tied to PLU holdings, and Plutus's own examples describe the 6% and 9% tiers as earning on a capped amount. The card is on Visa, charges a 2.5% FX fee on non-domestic transactions and a 2.5% ATM withdrawal fee, and Plutus's pages do not state supported countries, so its own site does not confirm where you can get it.
- Best for: UK/EU-currency spenders who will use the monthly cap, want PLU rewards and can justify a monthly subscription
- Less suited to: Light spenders, anyone travelling and spending abroad often (2.5% FX fee), or anyone who wants a free card
At a glance
- Visa card with a free virtual version; physical card €9.99/£9.99
- Three paid plans — Starter £6.99, Everyday £9.99, Premium £19.99 per month — each earning 3% on £/€250, £/€500 or £/€1,000 of monthly spend
- Reward levels lift the rate to up to 9%, set by PLU holdings
- Rewards paid in PLU (Plutus's token), not cash
- 2.5% FX fee on non-domestic transactions and 2.5% ATM withdrawal fee; fiat top-ups are free
Who can get it
Plutus's plans and fees pages reference euro and sterling but do not list supported countries. Third-party reviews describe availability as UK and EEA only — confirm your country in the Plutus app before signing up.
How it works
- Sign up in the Plutus app, verify your identity and pick a subscription plan (a free virtual card and 14-day trial are advertised).
- Top up in GBP or EUR (fiat top-ups are free) and spend on the Visa card.
- Earn 3% back in PLU on spend up to your plan's monthly cap; reward levels tied to PLU holdings raise the rate.
Strengths and trade-offs
Strengths
- A clear 3% base rate on every plan
- Fiat top-ups are free
- Free virtual card, and 50+ partner perks (e.g. streaming services) included with plans
- Very high published card limits
Trade-offs
- Every plan carries a monthly subscription
- 3% only applies to a capped monthly spend (£/€250–£/€1,000 by plan)
- The 6–9% tiers depend on PLU holdings, which move with the token's price
- 2.5% FX fee and 2.5% ATM withdrawal fee
- Rewards are paid in PLU, not fiat or Bitcoin
- No supported-country list on Plutus's own pages
| Issuer | Plutus |
|---|---|
| Card network | Visa |
| Card type | Virtual, Physical |
| KYC requirement | Identity verification required (KYC is not detailed on the pages we checked) |
| Cashback | 3% on every plan, rising to up to 9% via PLU-based reward levels — paid in PLU, on a monthly capped amount |
| Annual fee | Monthly plan £6.99 (Starter), £9.99 (Everyday) or £19.99 (Premium) as shown with promotional pricing; virtual card free, physical card €9.99/£9.99 |
| Custody model | Custodial |
| Supported assets | PLU (rewards) |
Every figure above was checked against Plutus's own card page on 2026-09-25. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Plutus Card
How much does Plutus cost?
Plutus lists Starter at £6.99, Everyday at £9.99 and Premium at £19.99 per month, each labelled as a promotional price. The virtual card is free and the physical card is €9.99/£9.99.
What cashback does Plutus pay?
3% on every plan, on a monthly spend cap of £/€250 (Starter), £/€500 (Everyday) or £/€1,000 (Premium). Plutus says reward levels can lift this to up to 9%; the higher levels depend on PLU holdings.
Which network is the Plutus card on?
Visa. Plutus's fees page refers to Visa transactions and Visa ATM withdrawals.
What are the FX and ATM fees?
A 2.5% fee applies to transactions in a different currency than your account, and ATM withdrawals also carry a 2.5% fee.
Where is Plutus available?
Plutus's plans and fees pages reference GBP and EUR but do not list countries. Third-party reviews describe the card as UK/EEA only — confirm in the Plutus app.
New to crypto cards? Read what is a crypto card? for how custodial cards like this one actually work.