Our verdict
Best for: UK and European users who actively hold PLU and want high headline rates
Plutus offers up to 9% cashback, but the realistic rate of ~2% tells the real story: the top tiers require substantial PLU holdings and the token's value fluctuates. The 2.5% FX markup is the highest of any card we track and eats into returns for international spend. UK and EEA only. Best suited to users already committed to the Plutus ecosystem who primarily spend in their home currency.
Specifications
| Card network | Visa |
|---|---|
| Provider | Plutus (London FCA EMI) / Modulr safeguarding |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | multi_currency |
| Available in | UK + European countries |
| Supported chains | Ethereum, Polygon |
| Supported assets | ETH, PLU; fiat top-up GBP/EUR |
| Issuance fee | $13 |
| Monthly fee | $7.50 |
| FX markup | 2.5% |
| ATM fee | 2% + $1.50 |
| Top-up fee | 0% |
| Foreign transaction fee | 2.5% |
| Cashback | Up to 9% in PLUS Points (PLU) (realistic ~3%) |
| Cashback monthly cap | $1000 |
| Daily spend limit | $1000 |
| Monthly spend limit | , |
| Daily ATM limit | $300 |
| Last verified | 2026-04-30 |
What to watch out for
- Non-custodial: Plutus reads on-chain PLU balance to determine tier, never holds tokens
- UK FCA EMI license
- Lithuanian EMI for European MiCA compliance
- Netherlands IBAN issued in user name
- rewards now PLUS Points convertible to PLU
- cashback paid monthly to user wallet (Plutus pays gas)
Editorial notes
- 2026 pricing overhaul: free tier REMOVED, all plans £6.99-£19.99/month subscription required (Starter £6.99, Everyday £9.99, Premium £19.99)
- 2.5% FX added (was 0%)
- £9.99 physical card
- eligible spend caps drastically limit returns
- PLU token volatile and DEX-only
- highest theoretical 9% but practical economics favour stackers only
- 14-day free trial
Frequently asked questions
Where is the Plutus Card available?
As of 2026-04-30, Plutus Card is available to residents of United Kingdom and Europe. Specific country list: UK + European countries.
How does the Plutus Card cashback work?
Plutus Card offers up to 9% cashback paid in PLUS Points (PLU). 3% base on Starter plan (£6.99/mo, eligible spend cap £250/mo); staking PLU unlocks higher tiers up to 9% (Honey Badger 40K PLU stake); 100% perk rebate (up to £/€10) on Netflix/Spotify/Aldi/Lidl/Tesco/Uber etc, perk slots vary by plan; spend above eligible cap earns nothing. Pricing changed 2026: free tier removed; 2.5% FX fee added (was 0%). In practice, the realistic effective rate for most users is around 3%.
What are the fees on the Plutus Card?
Plutus Card has an issuance fee of $13, a monthly fee of $7.50, a 2.5% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Does Plutus Card hold my crypto?
Yes. Plutus Card is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.