The Plutus Card earns 3-9% PLU/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 operating entities are BLOCK CODE LTD (UK company 09674279) and Block Code LT UAB (Lithuania).
The Plutus Card is a crypto debit card offered by Plutus, available in UK/EEA. It offers 3-9% PLU/PLUS Points cashback across 9 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. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Starter (Noob level) | 3% | £6.99/mo, £250/mo cap, 1 perk |
| Everyday (Noob level) | 3% | £9.99/mo, £500/mo cap, 2 perks |
| Premium (Noob level) | 3% | £19.99/mo, £1,000/mo cap, 3 perks |
| Hero | 4% | Paid plan + PLU staked (2,000 PLU) |
| Veteran | 5% | Paid plan + PLU staked (3,000 PLU) |
| Legend | 6% | Paid plan + more PLU staked (10,000 PLU) |
| Myth | 7% | Paid plan + more PLU staked (20,000 PLU) |
| G.O.A.T. | 8% | Paid plan + max PLU staked (30,000 PLU) |
| Honey Badger | 9% | Paid plan + max PLU staked (40,000 PLU) |
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.
Note: STATUS RECOVERED FROM MIGRATION, WITH A CAVEAT: Plutus terminated its Modulr banking contract in October 2025 (Plutus's decision, citing undelivered banking features), customer funds were returned in full, and card spending was suspended through the migration. Plutus's own status page now shows Cards Creation, Card Top Up, and Card Transactions at 100% uptime with no incidents from May to August 2026, and the site sells a free virtual card ('top up, spend as usual'), so the card is recorded as active again as of 2026-08-12. However, the newest official post is still the 20 February 2026 migration FAQ that describes card spending as not possible, no relaunch announcement has followed, and the new banking partner has never been named. Verify before recommending. Rewards have two axes, and the tiers listed here combine them: a monthly subscription plan sets the rewards-eligible spend cap (Starter £6.99 = £/EUR 250, Everyday £9.99 = £/EUR 500, Premium £19.99 = £/EUR 1,000, promotional discounts currently applied), and a stacked-PLU Reward Level sets the rate (Noob 3% at 1 PLU up to Honey Badger 9% at 40,000 PLU). Every rate above 3% still requires one of those paid plans, so the plan cost and its spend cap apply on top of the PLU requirement. Four further levels sit between Noob and Hero at the same 3% rate (Researcher 100 PLU, Explorer 200, Adventurer 500, Chad 1,000) and unlock extra perks and stackable rewards caps rather than a higher rate. Rewards accrue as PLUS (a loyalty point redeemable against gift cards, perks, and card top-ups) and PLU. Perks give up to £/EUR 10 back at 50+ brands including Netflix, Spotify, Amazon Prime, Uber, Tesco, Lidl, and Aldi. Fiat deposits and withdrawals are free; trading is 1% on Starter and 0% on Everyday and Premium. Apple Pay was one of the features Plutus says Modulr failed to deliver and is not confirmed on the current stack. STATUS FLAG (2026-08-27): the evidence previously supporting active status has weakened. The Cards Creation, Card Top Up and Card Transactions components have been removed from Plutus's status page, which now lists only Website, App and API, and status.plutus.it no longer resolves. The most recent official statement remains the Q1 Migration FAQ of 20 February 2026, which says plainly that PLUS cannot be earned from card spending, that the new banking partner will be named only once features are live, and that pending cashback would be issued once the new card is live "this summer". Summer 2026 has passed with no relaunch post.
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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% PLU/PLUS Points cashback. There are 9 tiers: Starter (Noob level) (3%), Everyday (Noob level) (3%), Premium (Noob level) (3%), Hero (4%), Veteran (5%), Legend (6%), Myth (7%), G.O.A.T. (8%), Honey Badger (9%).
The Plutus Card has an annual fee of £6.99-£19.99/mo. Additional fees: Conversion fee: 1% trading fee (Starter), 0% (Everyday/Premium); FX fee: 2.5% non-domestic; ATM: 2.5%; Top-up: Free (fiat deposit).
The Plutus Card has the following limits: daily spending limit: £500,000 / EUR 500,000; monthly spending limit: £1,000,000 / EUR 1,000,000 (rolling 30 days). Limits can vary by account tier and verification level.
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.
Yes, the Plutus Card supports Google Pay for contactless payments.
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