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What is the Plutus Card?

plutus card in persons hand with bitcoins in the background
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The Plutus card is a rewarding debit card used to make purchases online and in person. Each time its holder uses it to make payments, they earn 3% of their transaction in Pluton (PLU) as a reward. It is a product of Block Code Ltd, a company registered in England and Wales.

Pros and cons


  • 3% cashback on payments made.
  • Non-custodial cryptocurrency wallet.
  • More rewards for premium and pro members.
  • Free trading fees with membership.


  • Only works with ETH and PLU crypto.
  • Not available everywhere, including in the US.
  • The rewards program involves monthly fees.

## How it works

Plutus is available as a physical and digital card. To use it, one has first to top it up. Those living where it is supported can top it up with either EUR or GBP via SEPA or SWIFT bank transfers. They can then spend their fiat anywhere VISA is accepted and earn crypto rewards.

Supported cryptocurrencies

Plutus only supports Ethereum (ETH) and Pluton (PLU) cryptocurrencies (as of writing), which can be converted into fiat currencies through a decentralized exchange.

Pluton (PLU) is marketed as the world’s first decentralized loyalty rewards token. It is an ERC20 token that is earned on purchases made using Plutus.

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Besides the cashback reward, users can earn additional perks by stacking PLU. There are up to eight perks, which include free Netflix and Spotify subscriptions.

How many perks a user enjoys depends on their subscription plan and how many PLU tokens they hold. There are three subscription plans, Starter, Everyday, and Premium. The Starter plan comes with one perk, the Everyday plan has two perks, and the Premium plan has three perks.

The more tokens a user stacks, the more perks they enjoy. Users stacking 250 PLU get four perks, and those stacking 500 PLU get five. Those holding 1,000 PLU get six perks, while those holding 2,000 PLU get eight. It is worth noting that reward-level figures replace subscription plan figures.

Supported countries

Plutus card is available in the UK. It is also available in most countries in the European Economic Area, including Austria, Belgium, and Bulgaria.

However, it is not available in many other parts of the world, including the US. According to its site, there are plans to expand its availability to where it's currently unavailable.


Fees vary based on a user’s subscription plan. The Starter plan is free. The Everyday plan costs €4.99 per month. The Premium plan costs €14.99 per month.

The Starter plan features a 1% fee on Swaps, while the other two charge zero fees. All three accounts have zero fiat withdrawal fees. However, they all charge €5 PLU withdrawal fees.

Besides the account fees, additional fees are charged whenever Plutus card is used to make a purchase. The fees are extensive and complex, but worth checking out. You can also expect ATM withdrawal fees whenever you cash out using the card.

Is it worth it?

Plutus card offers many benefits, especially the 3% cashback reward. The fact that it comes with a non-custodial Ethereum wallet is another plus. Holders get to own their private keys and have full control over their funds.

Furthermore, it is protected by the VBV (Verified by Visa) and governed by the FCA (Financial Conduct Authority). It is legit.

Its few drawbacks are what might worry some people. For example, it is not available everywhere. It also only supports PLU and ETH and features some pretty high fees compared to other cards.


Plutus limitations make Coinbase, Binance, and cards great alternatives for those looking to invest in them.

Coinbase card, for example, has a few advantages. Firstly, it enables holders to earn up to 4% back in crypto rewards every time they make a purchase. Holders can choose which cryptocurrency gets converted and used to make payments. A wide variety of cryptocurrencies are supported.

Furthermore, it is highly secure and available anywhere Coinbase is available. Like other crypto cards, one must have a Coinbase account to use it, which is a drawback for some people.


Plutus card is a great payment card if you live where it is available, Europe. It is accepted anywhere that VISA can be used and offers 3% cashback rewards. Its three subscription plans allow anyone, regardless of their financial situation, to use it. All in all, it is an excellent crypto card.

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Author: Jay Jackson

Author: Jay Jackson

Jay Jackson is a crypto trader, researcher and freelance writer. He works closely with people and businesses in the crypto sphere, writing blog posts, guides, press releases, reviews and ebooks.

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