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Comparing Ether.fi Cash Card and Plutus Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Ether.fi Cash scores 4.9/5 on Sweepbase vs 3/5 for Plutus. That gap shows up mostly in fees and feature coverage.
Ether.fi Cash Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Plutus where the issuer holds your funds. Ether.fi Cash also lets you earn yield on your deposits, something Plutus doesn't offer. Zero fixed costs give Ether.fi Cash a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Plutus may be better if you need something it does better.
In short: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to Plutus Card (3/5).
| Features |  Ether.fi Cash Card |  Plutus Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Signature | Visa Debit | |
| Free | GBP 9.99 physical card (optional) | |
| Free | GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) | |
| 1% FX on all non-USD currencies (including EUR — native EUR not yet live) | 2.5% FX fee on foreign currency transactions | |
| Up to 3% cashback (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) | 3-9% cashback in PLU tokens based on PLU staking level. Free tier was removed in 2026 — all plans now require a paid subscription. Starter plan: GBP 6.99/month, eligible spend capped at GBP 250/month = max GBP 7.50 cashback/month in PLU. Net earnings after subscription: GBP 7.50 - GBP 6.99 = GBP 0.51/month profit. Everyday plan: GBP 14.99/month, cap GBP 500/month. Premium: GBP 29.99/month, cap GBP 1,000/month. 9% requires staking 40,000 PLU tokens (~GBP 5,200 at current prices). 2.5% FX fee on all non-domestic transactions (was previously 0%). Perks (Netflix, Spotify rebates) require additional PLU staking to unlock slots. PLU token is volatile. UK/EEA only. Realistic cashback for a typical user on the cheapest plan: 3% on max GBP 250/month, netting ~GBP 0.51/month after fees. | |
| Core $30K/day, Luxe $50K/day, Pinnacle $100K/day | Based on tier (£250-£22000/month for 3% rate) | |
| $250/day, 2% fee, 3 attempts per 24h | €300/day, 1% + €1.35 fee per withdrawal | |
| USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) | GBP fiat deposits from UK bank account | |
| 70+ countries: most of Europe, UK, Americas, UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | UK and EEA only | |
| Get Card | Get Card |