Crypto.com Visa Card vs Plutus Card
How does Crypto.com Visa Card compare to Plutus Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Crypto.com Visa Card · provisional, see how we rate
Quick answer. Crypto.com Visa Card and Plutus Card are both crypto cards — here's how they differ. Key differences: foreign-spend fee (Crypto.com Visa Card: 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) vs Plutus Card: 2.5% on non-domestic transactions). Our provisional scoring rates Crypto.com Visa Card higher (7.3/10 vs 6.8/10), but the best pick depends on your country and how you spend.
| Feature | Crypto.com Visa Card | Plutus Card |
|---|---|---|
| Our score | 7.3/10 | 6.8/10 |
| Type | Prepaid | — |
| Networks | Visa | Visa |
| Rewards | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% | 3–9% back in Pluton (PLU) Dynamic Reward Points, depending on plan tier and monthly spend |
| Annual fee | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake | — |
| FX fee | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | 2.5% on non-domestic transactions |
| ATM fee | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier | 2.5% |
| KYC | Full | — |
| Custody | Custodial | — |
| Supported coins | Rewards paid in CRO | — |
| Availability | — | UK and EEA |
| Apple / Google Pay | — | — |
Choosing between the Crypto.com Visa Card and the Plutus Card depends on your spending habits, preferences for rewards, and how much you’re willing to invest upfront. Both cards offer cashback rewards but differ in structure, fees, and availability.
Choose Crypto.com Visa Card if…
- You want tiered cashback options: The Crypto.com Visa Card offers up to 4.5% back in CRO, with different tiers based on your CRO stake or subscription level. This can be advantageous if you spend significant amounts monthly and are comfortable with staking CRO.
- You prefer no foreign transaction fees: The higher tiers of the Crypto.com Visa Card (Rose Gold, Icy White, and Obsidian) come with no foreign transaction fees, which is beneficial if you frequently travel or make international purchases.
- You are comfortable with staking requirements: To unlock the higher cashback tiers, you need to stake a significant amount of CRO (ranging from $500 to $500,000). This is ideal if you believe in the long-term value of CRO and are willing to lock up your funds.
- You want a free base tier option: The Midnight Blue tier is free and offers basic features without requiring a CRO stake, making it accessible for those who want to try the card without upfront investment.
Choose Plutus Card if…
- You prefer dynamic rewards: The Plutus Card offers 3–9% back in PLU, with rewards depending on your plan tier and monthly spend. This flexibility can be appealing if you want rewards that adjust based on your spending patterns.
- You are based in the UK or EEA: The Plutus Card is available in these regions, making it a suitable choice if you reside there and want a local option.
- You want free fiat top-ups and a virtual card: The Plutus Card offers these features, which can be convenient for managing your finances and making online purchases.
- You are willing to pay for a subscription plan: The Plutus Card requires a monthly subscription to access rewards, which is a consideration if you prefer not to have ongoing fees.
Bottom line
Both the Crypto.com Visa Card and the Plutus Card offer unique advantages, but they cater to different needs. If you are comfortable with staking CRO and want higher cashback with no foreign transaction fees on higher tiers, the Crypto.com Visa Card is a strong choice. However, if you prefer dynamic rewards, are based in the UK or EEA, and want free fiat top-ups, the Plutus Card might be more suitable. For more detailed insights, check out our rating criteria.