Plutus is a London-based fintech founded in 2015 by Danial Daychopan, offering a Visa debit card paired with a non-custodial wallet that pays rewards in its native PLU (Pluton) token. Card spending balances are held in a regulated e-money account, while PLU rewards accrue based on holdings in the user's own self-custody wallet.
The Plutus Card is a crypto debit card offered by Plutus, available in UK/EEA. It offers 3-9% +PLUS Points cashback across 6 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at £6.99-£19.99/mo.
Best suited for reward-focused spenders willing to optimize for cashback. It runs on the Visa network and requires standard identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Starter | 3% | £6.99/mo, £250/mo cap, 1 perk |
| Everyday | 3% | £9.99/mo, £500/mo cap, 2 perks |
| Premium | 3% | £19.99/mo, £1,000/mo cap, 3 perks |
| Hero (staking) | 4% | Paid plan + PLU staked |
| Veteran (staking) | 6% | Paid plan + more PLU staked |
| G.O.A.T. (staking) | 9% | Paid plan + max PLU staked |
Note: FREE Starter plan REMOVED, all plans now paid (£6.99-£19.99/mo). New 1 month free trial on Starter only. Rewards now paid as +PLUS Points (not PLU directly). 2.5% FX fee on non-domestic transactions. PLU staking thresholds adjust dynamically. Up to 9 merchant perks/mo.
Other crypto cards in the same region or category that may suit your spending profile:
The Plutus Card is a crypto debit card offered by Plutus. It is available in UK/EEA and allows users to spend cryptocurrency at merchants worldwide.
The Plutus Card offers 3-9% +PLUS Points cashback. There are 6 tiers: Starter (3%), Everyday (3%), Premium (3%), Hero (staking) (4%), Veteran (staking) (6%), G.O.A.T. (staking) (9%).
The Plutus Card has an annual fee of £6.99-£19.99/mo. Additional fees: Conversion fee: 0%; FX fee: 2.5% non-domestic; ATM: Free up to limits, then €2 + 2%.
The Plutus Card is available in UK/EEA. Its availability status is "UK/EEA".
The Plutus Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Plutus Card supports Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.