Plutus
Plutus Card review
Plutus is a UK/EEA Visa card that pays 3–9% rewards in its PLU token, with free fiat top-ups but a 2.5% non-domestic and ATM fee.
Quick answer. Plutus Card is a crypto card on Visa from Plutus. Rewards: 3–9% back in Pluton (PLU) Dynamic Reward Points, depending on plan tier and monthly spend. 2.5% on non-domestic transactions on foreign spend. Available in UK and EEA.
Key takeaways
- Network & type: · Visa
- Rewards: 3–9% back in Pluton (PLU) Dynamic Reward Points, depending on plan tier and monthly spend
- FX / spend fee: 2.5% on non-domestic transactions
- Availability: UK and EEA
Our rating, explained
Every card is scored on the same six factors — the weighting shows how much each counts toward the overall (provisional) score. How we rate →
Who it's for
Choose it if…
- You spend enough for cashback to add up
Look elsewhere if…
- You spend heavily abroad (a foreign-exchange fee applies)
How it compares to the field
Put in context against all 67 crypto cards we track and verify.
Overview
The Plutus Card, issued by Plutus, is a Visa card designed for users in the UK and EEA who are interested in earning cryptocurrency rewards on their everyday spending. Unlike traditional debit or credit cards, the Plutus Card offers a unique value proposition by providing rewards in the form of Pluton (PLU) Dynamic Reward Points, which are distributed on the Ethereum blockchain. This card aims to bridge the gap between traditional finance and the world of cryptocurrencies, offering users the ability to earn crypto while making standard purchases.
How it works
The Plutus Card operates on the Visa network, making it widely accepted at millions of merchants globally. Users can earn rewards ranging from 3% to 9% back in PLU, depending on their chosen subscription plan and monthly spending. The card supports free fiat top-ups, allowing users to easily load funds onto their card without incurring additional fees. Additionally, a free virtual card is available for those who prefer to make online transactions without the need for a physical card.
One notable feature is that the Plutus Card incurs no foreign exchange (FX) fees when used via the Curve app, which can be a significant advantage for frequent travelers or those who make purchases in multiple currencies. However, it’s important to note that there is a 2.5% FX fee on non-domestic transactions when the card is used outside of the Curve app, and a 2.5% fee is applied to ATM withdrawals.
Fees and value
While the Plutus Card offers attractive rewards, it’s crucial to consider the associated fees and costs. The card itself has a physical issuance fee of €9.99/£9.99, which is a one-time cost. Additionally, users must subscribe to a monthly plan to unlock the full range of rewards, which is a requirement that may not appeal to everyone. The card’s fee structure includes:
- FX Fee: 2.5% on non-domestic transactions (waived when used via the Curve app).
- ATM Fee: 2.5% on withdrawals.
- Top-up Fee: Free for fiat deposits.
These fees can impact the overall value proposition, especially for users who frequently travel or rely on ATM withdrawals. It’s essential to weigh these costs against the potential rewards to determine if the Plutus Card is a good fit for your financial habits.
Who it’s for
The Plutus Card is best suited for individuals who are comfortable with cryptocurrency and are looking to integrate it into their daily spending. The card’s rewards system, which pays out in PLU, is particularly appealing to those who believe in the long-term value of digital assets. Additionally, the ability to use the card via the Curve app without incurring FX fees makes it a viable option for frequent travelers within the UK and EEA.
However, users should be aware of the risks associated with cryptocurrency, as the value of PLU can be volatile. It’s also important to consider the monthly subscription fee, which is necessary to access the full range of rewards. For more detailed comparisons, you can visit our card comparison page or read our rating methodology to understand how we evaluate different cards.
Overall, the Plutus Card offers a unique opportunity to earn cryptocurrency rewards on everyday spending, but it comes with certain fees and requirements that may not suit all users.
Fees & costs
| Fee | Amount |
|---|---|
| Annual / issuance | — |
| FX / spend fee | 2.5% on non-domestic transactions |
| ATM withdrawal | 2.5% |
| Top-up / load | Free (fiat deposits) |
| Staking / lockup | — |
Pros & cons
Pros
- 3–9% rewards in PLU on eligible spend (official)
- Free fiat top-ups and free virtual card
- No FX fee when used via the Curve app (official)
Cons
- 2.5% FX fee on non-domestic transactions and 2.5% ATM withdrawal fee
- Physical card issuance costs €9.99 / £9.99
- Rewards require a monthly subscription plan
Supported crypto
Chains:
Our take
The Plutus Card is a solid choice for crypto-savvy users in the UK and EEA who want to earn PLU rewards on their spending, though it comes with notable fees and requires a monthly subscription.