Reward-focused debit card earning 3-9% back in PLU (Pluton) tokens. Hybrid custody — card balance held by regulated Modulr, rewards staked in your own non-custodial wallet (MetaMask). Monthly subscription required. Reward cap starts at €250-€1,000 based on plan.
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 9%, in plu tokens, paid in PLU (Pluton tokens).
PLANS & TIERS
Compare the plans
This card has 6 plans. Select one to see its rate, fees and perks.
Starter
Requirement: £6.99/month subscription (no PLU staking needed)
3%
Cashback
PRICE
£6.99/month
ATM FEE
2.5% + €2
FX FEE
2.5%
WHAT'S INCLUDED
✓3% cashback in +PLUS Points on up to £250/month eligible spend
✓1 perk slot (£10 value — e.g. Netflix, Spotify, Aldi)
✓Non-custodial PLU reward model
✓Visa debit card
Plan
Starter
Everyday
Premium
Hero (Staking)
Veteran (Staking)
G.O.A.T. (Staking)
Cashback
3%
3%
3%
4%
6%
9%
Price
£6.99/month
£9.99/month
£19.99/month
Any subscription + stake 2,000 PLU
Any subscription + stake 4,000 PLU
Premium + stake 8,000 PLU
ATM fee
2.5% + €2
2.5% + €2
2.5% + €2
2.5% + €2
2.5% + €2
2.5% + €2
FX fee
2.5%
2.5%
2.5%
2.5%
2.5%
2.5%
Requirement
£6.99/month subscription (no PLU staking needed)
£9.99/month subscription
£19.99/month subscription
Any subscription tier + stake 2,000 PLU (~£2,600)
Any subscription tier + stake 4,000 PLU (~£5,200)
Premium subscription + stake 8,000 PLU (~£10,400)
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
£6.99-£19.99/month (no free tier in 2026)
Monthly fee
Recurring account cost
£6.99-£19.99
FX spread
Applied on foreign-currency spend
2.5% non-domestic
ATM withdrawal
Cash withdrawal cost
2.5% + €2 flat fee
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
£9.99 physical card
ℹ️ In PLU tokens
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓Up to 9% cashback in PLU
✓Non-custodial staking option
✓0% FX fees
✓Apple Pay and Google Pay
✓Perk rebates for Spotify, Netflix and more
LOOK ELSEWHERE IF
!Monthly subscription required to earn rewards
!Reward cap from €250 on lowest plan
!PLU token value is volatile
!EU and UK only
!Complex subscription and staking system
STANDOUT FEATURES
What sets it apart
✦Non-custodial staking via MetaMask
✦PlutusSwap to swap PLU for card balance
✦Perk system with £10 rebates on subscriptions
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app
ABOUT THIS CARD
Common questions
Where can I use the Plutus Card?
+
Does the Plutus Card have an annual fee?
+
How much can I earn with the Plutus Card?
+
Does it work with Apple Pay and Google Pay?
+
Figures on this page come from Block Code Ltd's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
