/ Crypto Card Compare

Plutus Card vs Wirex Card

Both cards target UK and EU residents. Here's the side-by-side on fees, cashback, and where each is available — verified May 2026.

Plutus Card
Wirex Card
Provider
Plutus (London FCA EMI) / Modulr safeguarding
Wirex Limited (UK FCA EMI; Wirex UAB Lithuania for EEA)
Network
Visa
Visa/Mastercard
Funding model
Pre-funded debit (you load crypto/stablecoins to spend)
Pre-funded debit (you load crypto/stablecoins to spend)
Cashback
Up to 9% in PLUS Points (PLU) (realistic ~3%)
Up to 8% in WXT (realistic ~1%)
Issuance fee
$13
$0
Monthly fee
$7.50
$0
FX markup
2.5%
0%
ATM fee
2%
2%
Available in
United Kingdom and European Economic Area
United Kingdom, European Economic Area, and Asia-Pacific
Settlement currency
multi_currency
multi_currency

The verdict

Plutus Card pays meaningfully more cashback in practice (3.0% vs 1.0%). Wirex Card has no FX markup, making it the better travel option.

About Plutus Card

Plutus Card is a Visa debit card issued by Plutus (London FCA EMI) / Modulr safeguarding, available to residents of United Kingdom and European Economic Area. It is a pre-funded debit card — you top up your card balance with crypto or stablecoins before spending. Cashback is Up to 9% in PLUS Points (PLU) (realistic ~3%).

Full Plutus Card review →

About Wirex Card

Wirex Card is a Visa/Mastercard debit card issued by Wirex Limited (UK FCA EMI; Wirex UAB Lithuania for EEA), available to residents of United Kingdom, European Economic Area, and Asia-Pacific. It is a pre-funded debit card — you top up your card balance with crypto or stablecoins before spending. Cashback is Up to 8% in WXT (realistic ~1%).

Full Wirex Card review →

Other comparisons

Last verified May 2026. How we collect this data · Affiliate links and direct links are presented equally.