Plutus Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
The free tier is gone. Plutus, the longest-running PLU-token cashback card in the UK, moved every plan onto a paid subscription in 2026. Starter is £6.99/month for 3% cashback, Everyday £14.99/month for 4% (250 PLU staked), Premium £29.99/month for 5% (500 PLU staked). Hero, Veteran, and Legend stack on top, scaling to 6-8% as the PLU staking requirement climbs from 2,000 to 8,000 tokens. Legend at 8% ships with a metal card. Cashback pays in PLU, and each plan caps eligible spend: £250 on Starter, £500 on Everyday, £1,000 on Premium. Past the cap, rewards stop. Plutus Perks rebate 100% up to £/€10 per perk at the usual suspects (Netflix, Spotify, Amazon, Uber), with slot count tied to tier. FX is 2.5% on non-domestic transactions, up from the older 0% policy. Physical card is an optional £9.99 add-on. UK and EEA only. If you've already got the PLU and can clear the higher tiers without dragging spend past the cap, the math works. Wrong card if you wanted predictable rewards without token exposure and a monthly line item.
Plutus targets everyday spending in the UK and Europe with 3% crypto cashback in PLU tokens on every purchase, plus game-changing monthly Perks offering 100% cashback (up to £10/month) on Netflix, Spotify, Amazon, Steam, PlayStation, groceries, and more. Choose your favorite subscription or merchant each month, spend at least £10, and receive full reimbursement in PLU tokens, essentially free subscriptions for Plutus users. With zero staking requirements on the free Starter plan (3% on £250 monthly), tiered plans reaching £22,000 monthly for power users, and $20 referral bonuses, Plutus transforms ordinary spending into crypto accumulation, perfect for European residents seeking maximum rewards without complex lock-ups or premium card fees.
This is a Visa crypto card. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | GBP 9.99 physical card (optional) |
|---|---|
| Annual Fee | GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) |
| FX Fee | 2.5% FX fee on foreign currency transactions |
| ATM Limit | €300/day, 1% + €1.35 fee per withdrawal |
| Spending Limit | Based on tier (£250-£22000/month for 3% rate) |
These figures can change. Confirm the current fees, FX and network in Plutus’s official terms before you apply.
Features
- Welcome Bonus: £8 bonus
- Card Type: Virtual + Physical
- Top up with: GBP fiat deposits from UK bank account
- Available Countries: Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Poland, Portugal, Romania, Spain, Sweden, The Netherlands, United Kingdom
Banking & Fiat Rails
IBAN yes (Netherlands EUR IBAN), SEPA yes, UK sort code/acct; SWIFT not disclosed
Who issues the Plutus Card
The Plutus Card is issued by Modulr FS Limited, UK (FCA FRN 900573); EEA via Modulr Finance B.V. (DNB R182870). The issuer is named verbatim in the card documentation. UK only. Terms list "Plutus Debit Card (via Modulr)" and describe the partner as "an authorised Electronic Money Institution", without specifying which Modulr entity. The EEA terms name nobody and state card services are "temporarily unavailable as we transition to a new banking partner".
Primary source · All cards issued by Modulr FS Limited · Why the issuer matters
Supported Cryptocurrencies
You can load the Plutus Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Ethereum (ETH, PLU); top-up mainly via fiat SEPA/Faster Payments
Supported assets: GBP fiat deposits from UK bank account
Who Is the Plutus Card Best For?
The Plutus Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Plutus Card pays 9% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in UK and EEA only, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 9% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Plutus Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Up to 100% cashback on selected monthly Perks (Netflix, Spotify, Amazon, grocery stores); 3% on all spending; no staking required
- Works wherever Visa is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Welcome bonus: £8 bonus
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- UK/EEA only; monthly caps on cashback; Perks system requires monthly activation; PLU token price volatility
- Card issuance fee: GBP 9.99 physical card (optional)
- Annual fee: GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Plutus Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Plutus account
A few minutesGo to the Plutus website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerPlutus runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with GBP fiat deposits from UK bank account through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Plutus Card shows up in the Plutus app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Plutus Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Plutus Card
What are the fees for the Plutus Card?
How does the Plutus Card cashback work?
Where is the Plutus Card available?
What are the Plutus Card's ATM and spending limits?
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