Plutus Card vs Cardano Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

DEBIT
Block Code Ltd logo
CASHBACK
9%
ANNUAL FEE
£6.99-£19.99…
PLUTUS CARD
BLOCK CODE LTD
VISA

Plutus Card

Block Code Ltd
  • High cashback
  • Apple Pay
  • Google Pay
DEBITWirex logo
CASHBACK
8%
ANNUAL FEE
Free…
CARDANO CARD
WIREX
VISA

Cardano Card

Wirex
  • High cashback
  • No FX fees
  • No staking
  • Apple Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model. We have not scored the Cardano Card yet, so there is nothing to compare the total against — a missing score is not a low one.

Editorial scores for the Plutus Card and the Cardano Card — the Cardano Card has not been scored yet
CriterionPlutus CardCardano Card
Overall2.4 / 5Not scored yet
Cost 25%2.0There 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.—
Conditions 25%2.5Rewards 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.—
Rewards 25%1.53% in PLU on a capped slice of spending. On the entry plan the rewards barely exceed the subscription that unlocks them.—
Reliability 25%3.5Running 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.—
QUICK VERDICT

Who wins on what

  • HIGHER HEADLINE CASHBACK
    Plutus Card
    Up to 9% vs Up to 8%
  • NO TOKEN LOCK-UP
    Cardano Card
    headline rate without staking

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: PLU (Pluton tokens) on the Plutus Card, Crypto on the Cardano Card.
EVERY FIELD

Plutus Card vs Cardano Card, side by side

Full field-by-field comparison of the Plutus Card and the Cardano Card
FieldPlutus CardCardano Card
Card typeDebitDebit
NetworkVisaVisa
Max cashbackUp to 9%Up to 8%
Rewards paid inPLU (Pluton tokens)Crypto
Annual fee£6.99-£19.99/month (no free tier in 2026)Free
(Standard); $11.99/month (Premium); $34.99/month (Elite)
Monthly fee£6.99-£19.99None on Standard; $11.99 on Premium; $34.99 on Elite
Prices as shown on cardanocard.io, in US dollars; the site marks them with an asterisk it does not explain.
FX fee2.5% non-domestic0%
ATM fee2.5%Free up to €200/mo Standard
Crypto conversionTrading fee 1% on Starter; 0% on Everyday and PremiumFree
Where it worksAustria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Spain, Sweden, United KingdomAndorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, Hong Kong, Japan, Macao, Malaysia, New Zealand, Philippines, South Korea, Taiwan, Thailand, Azerbaijan, Bahrain, Georgia, Kazakhstan, Oman, United Arab Emirates, Uzbekistan, Ghana, Kenya, Nigeria, South Africa, Uganda, Argentina, Brazil, Chile, Colombia, Ecuador, El Salvador, Mexico, Panama, Peru
Self-custodyNoNo
No staking neededNoYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Plutus Card vs Cardano Card: common questions

Which is better, the Plutus Card or the Cardano Card?

It depends on what you optimise for. Plutus Card is a debit card advertising up to 9%; Cardano Card is a debit card advertising up to 8%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Plutus Card and the Cardano Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Plutus Card review →Cardano Card review →Compare three cards instead

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