Plutus Card
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.
Is the Plutus Card worth it?
The Plutus Card is a debit card on Visa, paying up to 9% back on spend. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 9% back on everyday spending
THINK TWICE IF
- you're not willing to stake or hold a token to reach the headline rate
- you want to hold your own keys — this card is custodial
- a fixed cost is a dealbreaker — the annual fee is £6.99-£19.99/month (no free tier in 2026)
How we rate the Plutus Card
- Cost25%2.0 / 5
There is no free tier: every plan costs £6.99 to £19.99 a month, and on top of that FX is 2.5%, ATM withdrawals 2.5%, and a physical card £9.99.
- Conditions25%2.5 / 5
Rewards apply only to the first £250 to £1,000 of monthly spending depending on plan, and the 9% headline needs 40,000 PLU held — several thousand pounds.
- Rewards25%1.5 / 5
3% in PLU on a capped slice of spending. On the entry plan the rewards barely exceed the subscription that unlocks them.
- Reliability25%3.5 / 5
Running since 2015 with a published fee page, but the 2026 overhaul removed the free tier and the per-level reward rates are still not published.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 9%
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.
Up to 9%, paid in PLU (Pluton tokens).
- 3% base in PLU, rising to 9% only at the top loyalty level (40,000 PLU held).
- Rewards apply to the first £/€250 (Starter), £/€500 (Everyday) or £/€1,000 (Premium) of spending each month.
Compare the plans
This card has 6 plans. Select one to see its rate, fees and perks.
Fees you'll actually meet
How much you can spend
Published by the issuer. One set of limits applies wherever the card is available.
Also capped at £/€1,000,000 per rolling 30 days, with a maximum card limit of £/€12,000,000. Rewards are only paid on the first £/€250–£/€1,000 of monthly spending, depending on your plan.
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
What sets it apart
- Non-custodial staking via MetaMask
- PlutusSwap to swap PLU for card balance
- Perk system with £10 rebates on subscriptions
Latest news & analysis
- GUIDE · Paid in What? The Asset Your Cashback Arrives InTwo cards paying 3% are not equal if one pays in dollars and the other in a token that can halve. What each card actually pays you in, and why it changes the value.
- GUIDE · Staking for Cashback: When Locking Tokens Pays OffMost big cashback rates need you to buy and lock the issuer's token. Here is the arithmetic that tells you whether a staking tier pays for itself — and the risk the arithmetic leaves out.
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 and were verified on September 16, 2026. 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.
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