Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Plutus Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
OKX rates 3.6/5, slightly ahead of Plutus at 3/5. Both are solid options, but OKX is the better pick for most people.
OKX Card is the better card here. Zero fixed costs give OKX 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: OKX Card (3.6/5) is the stronger option for most people compared to Plutus Card (3/5).
| Features |  Plutus Card |  OKX Card |
|---|---|---|
| Virtual + Physical | Virtual only | |
| Custodial | Custodial | |
| Visa Debit | Mastercard Debit | |
| 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 | 0.1% conversion spread (official docs); no transaction or FX fees | |
| 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. | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| Based on tier (£250-£22000/month for 3% rate) | Based on verification and tier | |
| €300/day, 1% + €1.35 fee per withdrawal | Not available (virtual card only) | |
| GBP fiat deposits from UK bank account | USDC, USDG stablecoins from OKX Pay account | |
| UK and EEA only | EEA + Brazil | |
| Get Card | Get Card |