Plutus Card, Review 2026
Updated on 1 June 2026 · Network Visa
Overall rating / 5
Plutus Card
Issuer : Plutus
Get the cardView full card detailsCompare cardsSee all cards🔄 Plutus Alternatives| Summary | Plutus Card |
|---|---|
| 💰 Max cashback | Up to 9% in PLU (with max staking + perks) |
| 🔒 Staking req. | 0 (Starter), up to 8,000 PLU (Legend) |
| 💳 Annual fees | £6.99/month Starter (£83.88/year) |
| 🌍 Availability | France, EU, United Kingdom |
| Overall rating / 5 | 3.7/5 |
| Network | Visa |
Rating breakdown
Strengths
- 3% cashback in PLU from the Starter plan (no staking required)
- Up to 9% cashback with PLU staking and cumulative perks
- Perks: 100% cashback on Netflix, Spotify, Amazon, PlayStation (by tier)
- Non-custodial, you control your PLU
- Available in France, EU and United Kingdom since 2015
- Over 50 perks available in the catalog
Weaknesses
- Mandatory monthly subscription from Starter plan (£6.99/month)
- Free plan being discontinued in 2026
- Cashback-eligible spending cap (£250/month on Starter)
- Cashback paid in PLU, volatile and illiquid token
- 2.5% FX fees on foreign currencies
- High PLU staking required for best rates (8,000 PLU ≈ several thousand dollars)
📋 Overview
Plutus is one of Europe's crypto card pioneers, founded in 2015. It's a non-custodial Visa available in the UK and EEA. The card operates on a tier system based on PLU staking (Plutus' native token) and monthly subscription.
💰 Cashback & Rewards
Cashback is paid in PLU (Plutus token) and varies by plan: 3% Starter, 4% Everyday, 5% Premium, 6% Hero, 7% Veteran, 8% Legend. Perks allow you to add up to 1% extra. Combined rate can reach 9% at Legend tier.
💳 Fees & Conditions
Mandatory subscription: £6.99/month (Starter) to £49.99/month (Legend). Foreign currency fees: 2.5%. Physical card: £9.99 issuance fee.
🔒 Security & Regulation
Plutus is regulated in the EU and UK under EMI license. Card is issued by an FCA-approved partner. PLU tokens are non-custodial, you manage your wallet. Plutus has a 10-year history with no major security incidents.
📱 User experience
Plutus app available on iOS and Android. Perks management, PLU staking and cashback handled via app. Card compatible with Apple Pay. Customer support available via chat.
Our verdict
out of 5
Plutus offers the highest cashback without immediate staking (3% from Starter), but the mandatory £6.99/month subscription reduces real profitability. Perks (free Netflix, Spotify) can offset this if you use them all.
Get the cardAvailability and tax in the United Kingdom
In the United Kingdom the Plutus Card works wherever its card network is accepted, settling in pounds. Converting or spending crypto is a disposal for Capital Gains Tax purposes above the annual allowance.
- Regulator
- FCA
- Currency
- Pound sterling (£)
- Crypto tax
- Disposals are subject to UK Capital Gains Tax above the annual exempt amount; spending crypto counts as a disposal.
General tax information (UK) — not personalised tax advice.
Thematic pages