Image: Plutus

Plutus Visa Card review: fees, cashback and limits

Name: Plutus Visa Card
Brand: Plutus

A subscription Visa for the UK and Europe paying 3% to 9% back in PLU.

By Taimoor, founder and editor Last checked 16 October 2026 2 sources

5.3out of 10

Quick answer

Plutus is a Visa debit card for the UK and EEA with monthly plans from £6.99 to £19.99. Each plan pays 3% back in PLU on a set amount of monthly spending (£250 to £1,000), plus 100% rebates on your first £10 at chosen merchants like Netflix and Spotify. Holding PLU can lift the rate as high as 9%. FX and ATM withdrawals each cost 2.5%, and there's no free tier.

Plutus Card at a glance

Best for	UK and European spenders who'll use the merchant perks every month.
Skip it if	You want a free card or spend abroad often.
Network	Visa
Card issuer	Not named (Plutus holds UK and Lithuanian EMI licences)
Custody	Fiat held at Modulr. PLU rewards go to your own wallet.
Card type	Debit
Virtual or physical	Virtual and physical (£9.99)
Cashback	3% to 9% in PLU, capped by plan
Annual fee	Plans from £6.99 to £19.99 a month
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	UK and EEA residents (about 30 countries).

Plutus Card fees

Card cost	Physical card £9.99
Annual or membership fee	Plans from £6.99 to £19.99 a month
FX and cross-border	2.5% on non-domestic spending
Crypto conversion	Not applicable. You spend GBP or EUR.
ATM withdrawals	2.5%

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Plutus Card app for your country before you load money. To see what Plutus Card would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Plutus Card

$0.00Paid from stablecoins in the card's own currency

$2.50Paid from stablecoins in a foreign currency

$0.00Paid from other crypto, like BTC or ETH

$3.00Cashback on $100, Starter tier

These are Plutus Card's own fees on the Starter tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 2.5% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 6 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #29 of 36 in Europe (EEA)#18 of 20 in United Kingdom

Cashback and rewards

3% base on eligible spend: £250 (Starter), £500 (Everyday) or £1,000 (Premium) a month
Hold more PLU in your own wallet for up to 9%
First £10 at 1 to 3 chosen perk merchants rebated 100% in PLU
Paid monthly to your connected wallet

Tier	Price or requirement	Cashback	Notes
Starter	£6.99/month	3% on £250	1 perk
Everyday	£9.99/month	3% on £500	2 perks
Premium	£19.99/month	3% on £1,000	3 perks

Deposits and withdrawals

How to top up

Bank transfer GBP or EUR to your Plutus account

Fees: Not stated.

How to withdraw

Bank transfers
PLU rewards land in your own wallet

Fees: ATM 2.5%.

Supported assets: GBP and EUR. Rewards in PLU.

Where Plutus Card works

UK and EEA residents (about 30 countries).

Not available in the US or Switzerland.

United KingdomEurope (EEA)

Limits and perks

Limits

£500,000 per transaction, £1M per 30 days

Perks

Monthly rebates at Netflix, Spotify, Tesco, Aldi, Uber and more

Pros and cons

What's good

High reward rates with perk rebates
Rewards go to your own wallet
Apple Pay, Google Pay and Samsung Pay

What's not

No free plan
Rewards in PLU, a volatile token
2.5% FX and ATM fees

Our take on Plutus Card

Plutus pays rewards in its own PLU token on top of a normal GBP or EUR debit card. Every plan pays 3% on a set amount of monthly spending, and you can pick merchants like Netflix or Spotify for a 100% rebate on the first £10 each month.

You need a paid plan from £6.99 a month, and holding PLU raises your rate toward 9%. Rewards land in your own wallet, which is a nice touch, but their value depends on PLU's price. FX and ATM fees of 2.5% make it a poor travel card.

Good value if you'll max out the perks every month. Otherwise the subscription eats the rewards.

How we scored Plutus Card: 5.3/10

Methodology

Fees 30%

4 Monthly subscription and 2.5% FX and ATM.

Rewards 20%

7 3% plus perks, up to 9% with PLU.

Control 20%

6 Regulated EMI, rewards to your own wallet.

Reach 15%

5 UK and EEA.

Flexibility 15%

5 GBP and EUR only.

Plutus Card FAQ

How much does the Plutus Visa Card cost?

Physical card £9.99. Annual or membership fee: Plans from £6.99 to £19.99 a month.

Does Plutus Card have cashback?

3% to 9% in PLU, capped by plan. 3% base on eligible spend: £250 (Starter), £500 (Everyday) or £1,000 (Premium) a month.

What are the Plutus Card FX and ATM fees?

FX: 2.5% on non-domestic spending. ATM: 2.5%.

Where is Plutus Card available?

UK and EEA residents (about 30 countries). Not available in the US or Switzerland.

Is Plutus Card self-custody?

Fiat held at Modulr. PLU rewards go to your own wallet.

Sources

SpendNode: Plutus reviewPlans, rewards, fees, countries, verified Sep 28, 2026
Finder: Plutus card reviewReview

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.