Side-by-side comparison of Nexo Card and Plutus Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Nexo is the clear winner in this matchup with a Sweepbase rating of 4.7/5 vs 2.9/5. It offers a stronger overall package across fees, features, and user experience.
| Features |  Nexo Card |  Plutus Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Custodial | |
| Mastercard Credit/Debit | 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) | |
| 0.2% EEA/UK/CH; 2% elsewhere; +0.5% weekends. Free FX allowances by loyalty tier (€3K-20K/mo) | 2.5% FX fee on foreign currency transactions | |
| Up to 2% in NEXO tokens or 0.5% in BTC (Credit Mode only; tiered by loyalty) | 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. | |
| Based on credit line or account balance | Based on tier (£250-£22000/month for 3% rate) | |
| €200-€2000/month free (by tier), 2% after; €600/transaction | €300/day, 1% + €1.35 fee per withdrawal | |
| 40+ cryptocurrencies from Nexo account including BTC, ETH, stablecoins | GBP fiat deposits from UK bank account | |
| EEA countries | UK and EEA only | |
| Get Nexo Card | Get Plutus Card |
Nexo Card is our pick in this matchup. Nexo also lets you earn yield on your deposits, something Plutus doesn't offer. Zero fixed costs give Nexo a cost advantage from day one. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Plutus may be better if you need broader regional coverage.
Bottom line: For most crypto card users, Nexo Card (4.7/5) delivers better overall value than Plutus Card (2.9/5).