Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Plutus Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Gemini Credit scores 4.5/5 on Sweepbase vs 3/5 for Plutus. That gap shows up mostly in fees and feature coverage.
Gemini Credit Card is the better card here. Gemini Credit also lets you earn yield on your deposits, something Plutus doesn't offer. Zero fixed costs give Gemini Credit 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 broader regional coverage.
In short: Gemini Credit Card (4.5/5) is the stronger option for most people compared to Plutus Card (3/5).
| Features |  Plutus Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Custodial | Custodial | |
| Visa Debit | Mastercard Credit | |
| GBP 9.99 physical card (optional) | Free | |
| GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) | Free | |
| 2.5% FX fee on foreign currency transactions | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| 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. | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Based on tier (£250-£22000/month for 3% rate) | Cash advance only; 3% + $10 fee, 29.99% APR | |
| €300/day, 1% + €1.35 fee per withdrawal | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| GBP fiat deposits from UK bank account | not card FX) | |
| UK and EEA only | USA only | |
| Get Card | Get Card |