Plutus Card is a Visa debit card launched in 2015 that rewards you with crypto every time you spend. Earn a minimum of 3% back in PLU tokens (Dynamic Reward Points) on all purchases, with the ability to stack rewards up to 9% through loyalty tiers.\n\n### How It Works\n\n1. Top Up — Fund your card with fiat currency (GBP or EUR) via the Plutus app.\n2. Spend — Use your card anywhere Visa is accepted, in-store or online.\n3. Earn — Get 3% back in PLU rewards on every eligible purchase.\n4. Stack & Level Up — Accumulate PLU to unlock higher reward tiers up to 9%.\n\n### Plans\n\n| Plan | Monthly Fee | Monthly Spend Cap | Perks |\n|------|------------|-------------------|-------|\n| Starter | £6.99/mo | £250 | 1 Perk |\n| Everyday | £9.99/mo | £500 | 2 Perks |\n| Premium | £19.99/mo | £1,000 | 3 Perks |\n\n### Perks Program\n\nEnjoy up to £10 back in rewards at 50+ in-demand brands including Netflix, Amazon Prime, McDonald's, Booking.com, Xbox, PlayStation, and more.\n\n### Reward Levels\n\nStart at 3% base rewards and stack PLU to progress through levels — Noob, Researcher, Explorer, Adventurer, Chad, Hero, Veteran — unlocking higher reward rates (up to 9%) and additional perks.\n\n### Key Features\n\n- Free Virtual Card — Get a digital card instantly after account approval.\n- Apple Pay & Google Pay — Add your card to mobile wallets for contactless tap-to-pay.\n- Physical Card — Order a physical Visa debit card for in-store use.\n- Self-Custody — Your rewards and funds remain in your control, held in segregated accounts.\n- 24/7 Customer Support — Dedicated support team committed to resolving issues within 24 hours.\n\n### Availability\n\nAvailable to residents of the UK and European Economic Area (EEA).\n\n### Ideal For\n\nUsers who want to earn crypto rewards on their everyday spending — from groceries to subscriptions — with a straightforward Visa debit card that works anywhere Visa is accepted.
Pros
- Over £1 billion in total card spend and £50 million in rewards issued since launching in 2015
- Earns 3% crypto rewards (PLU) on all everyday purchases, stackable up to 9% via loyalty tiers tied to PLU token holdings
- Non-custodial wallet architecture gives users full control over their private keys and crypto assets
- Perks program provides up to £10 back per month at 50+ major brands including Netflix, Spotify, Amazon, Uber, and Disney+
- Free virtual card issued instantly after KYC, with support for Apple Pay and Google Pay contactless payments
Cons
- Charges a 2.5% fee on non-domestic point-of-sale transactions, making it expensive for international spending
- Supports only two cryptocurrencies (ETH and PLU), with no built-in crypto swap feature available within the app
- Entry-level Starter plan caps 3% cashback at just €7.50 per month, limiting real-world earning potential for low spenders
- All reward-earning plans require a monthly subscription fee ranging from €6.99 (Starter) to €19.99 (Premium)
- Banking services faced disruption in late 2025 due to a terminated contract with partner Modulr, temporarily affecting Apple Pay and fund transfers during migration