TL;DR.Plutus Card is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $1.75. Top-up fee 1.75%, FX fee 2.5%. Wallet support: Apple Pay + Google Pay. Status: issues. Last verified: May 1, 2026.
CARD PROFILE · FULL KYC
Plutus Card.
Visa debit with 3-9% PLU rewards and 50+ brand perks (Netflix/Spotify/Amazon) — UK/EEA, but currently in operational decline since Modulr partnership collapse in January 2026.
Cost / $100
$1.75
Top-up fee
1.75%
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
$1M
Status
Issues reported
Pros.
- +3-9% rewards in PLU on eligible spend (highest cashback ceiling in EU)
- +50+ Plutus Perks (Netflix, Spotify, Amazon, McDonald's etc)
- +Crypto top-up via PLU and ETH (Ethereum/Polygon)
- +Virtual card free, physical £9.99/€9.99
- +Decentralised PLU staking (any wallet)
- +Apple Pay & Google Pay
Cons.
- −⚠️ STATUS: severe operational decline Q2 2026 — cards deactivated, fiat deposits blocked after Modulr partnership collapsed January 2026
- −All plans now paid (Starter £6.99, Everyday £9.99, Premium £19.99)
- −Cashback eligible spend capped (£250/£500/£1,000 by tier)
- −2.5% FX fee on non-domestic transactions
- −ATM 1% + €1.35 with €300/day limit
- −PLU rewards subject to token volatility
- −UK/EEA only
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
1.75%
Transaction fee
—
FX fee
2.5%
Issuance
$9.99
Monthly
$6.99
Cost / $100
$1.75
Plans: Starter £6.99/mo (£250 eligible), Everyday £9.99/mo (£500), Premium £19.99/mo (£1,000). Physical card £9.99/€9.99. FX 2.5%. ATM 1% + €1.35, €300/day. Top-up via debit/credit 1.75%. Crypto top-up: PLU + ETH. ⚠️ Many user reports of cards deactivated and fiat blocked since January 2026.
COVERAGE
Where it works.
Supported coins
PLUETH
Chains
EthereumPolygon
Use cases
Online · IRL · ATM
Blocked countries
USRUBYIRKPSYCUVE
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
1.6/5
1921 reviews
Monevia score
81/100
Verified May 1, 2026
ALTERNATIVES