The Plutus Card earns 3-9% +PLUS Points cashback on a Visa debit card with a £6.99-£19.99/mo fee, available in UK/EEA.
Plutus is a London-based fintech founded in 2015 by Danial Daychopan, offering a Visa debit card paired with a non-custodial wallet that pays rewards in its native PLU (Pluton) token. Card spending balances are held in a regulated e-money account, while PLU rewards accrue based on holdings in the user's own self-custody wallet.
The Plutus Card is a crypto debit card offered by Plutus, available in UK/EEA. It offers 3-9% +PLUS Points cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at £6.99-£19.99/mo.
Best suited for reward-focused spenders willing to optimize for cashback. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide.
On $500/mo spend, the estimated monthly cost breakdown for Plutus Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $13.98, for a total drag of 2.8% of spend. After $4.00/mo cashback that is still a net cost of about $9.98/mo ($119.76/yr). Plutus Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Starter | 3% | £6.99/mo, £250/mo cap, 1 perk |
| Everyday | 3% | £9.99/mo, £500/mo cap, 2 perks |
| Premium | 3% | £19.99/mo, £1,000/mo cap, 3 perks |
| Hero (staking) | 4% | Paid plan + PLU staked |
| Veteran (staking) | 6% | Paid plan + more PLU staked |
| G.O.A.T. (staking) | 9% | Paid plan + max PLU staked |
Note: WARNING: Plutus itself terminated the Modulr banking relationship (Q1 2026), citing undelivered banking features, not the other way around; customer funds were returned in full. Existing cards were deactivated and GBP/EUR top-ups blocked during the migration. Subscription tiers (£6.99-£19.99/mo) reportedly continued to bill during the outage. New banking partner is undisclosed — company still says relaunch is targeted for 'this summer' (summer 2026), not yet delivered as of July 10, 2026. PlutusLite and PlusMore (RaaS) products also in pipeline. US/UAE launch teased by CEO. As of July 2026, the card is NOT usable for any UK/EEA customers. Verify status before recommending.
Other crypto cards in the same region or category that may suit your spending profile:
The Plutus Card is a crypto debit card offered by Plutus. It is available in UK/EEA and allows users to spend cryptocurrency at merchants worldwide.
The Plutus Card offers 3-9% +PLUS Points cashback. There are 6 tiers: Starter (3%), Everyday (3%), Premium (3%), Hero (staking) (4%), Veteran (staking) (6%), G.O.A.T. (staking) (9%).
The Plutus Card has an annual fee of £6.99-£19.99/mo. Additional fees: Conversion fee: 0%; FX fee: 2.5% non-domestic; ATM: Free up to limits, then €2 + 2%.
Yes. Plutus requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Plutus Card is available in UK/EEA.
The Plutus Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.