Plutus Card
by Plutus
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 1%
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Google Pay
Our verdict
Plutus was pitched to Europeans as the card with the highest crypto cashback, 3-9% in PLU tokens plus perks from 50+ brands for active spenders who stake PLU.
What we like
- +Cashback up to 9%, the highest in Europe
- +Perks from 50+ brands (Netflix, Spotify, Amazon and others)
- +Non-custodial, so you hold your own keys
- +No monthly fee on the Starter plan
- +Active community and regular updates
Watch out for
- −Supports only ETH and PLU tokens
- −Best rewards need a large PLU stake
- −No Apple Pay
- −EU and UK only, not available in the US
- −High Ethereum gas fees affect top-ups
5.6/10
Editor score
Fair
3.0/10
User rating
Based on 25 sources
Lv 3
KYC Level
ID verification
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- 3%
- Cashback Crypto
- PLU
- Staking Rewards
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- 2.5%
- FX Fee
- Free
- Top-up Fee
- 1%
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- $22,500
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- —
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
3.0/10
Sourced from
The card was first praised for its non-custodial reward model, up to 9% PLU cashback, and DEX-based fiat liquidity. As of Q2 2026 users describe a product in serious decline after its Modulr banking partnership collapsed in January 2026. Cards have been deactivated, fiat deposits blocked, and the DEX has been paused for UK and EU users since 2023 under FCA and MiCA pressure. The PLU token has fallen from about €7.50 to about €0.15, rewards are stuck behind a 33% withdrawal fee or a 50% gift card penalty, and mandatory €6.99 monthly subscriptions reportedly continue on inactive accounts. Users also cite GDPR breaches, hostile developer replies and heavy moderation of community criticism. Trustpilot stands at 1.5/5, and sentiment across Reddit, YouTube and Google Play is strongly negative.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum
Frequently asked questions
Does the Plutus Card require KYC?
Yes. Plutus asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Plutus Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 1%, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Plutus Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is supported, according to the issuer.
Which countries can get the Plutus Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the Plutus Card support?
ETH, PLU.
Last updated August 19, 2026, verified August 6, 2026.