Plutus - Starter CardvsWirex - Standard Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric |  Plutus 5.9/10 Get card |  Wirex 6.0/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 5.9/10 | Best 6.0/10 |
| Costs | ||
| Annual fee | $83.88 | Best None |
| FX fee | 2.5% | Best 0% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | Best 1%–3% cashback | 0.5% cashback |
| Payout token | PLU | WXT |
| Staking | 25 PLU | $0 |
| Perks | Up to 8% PLU cashback · Lounge access at Pro · No annual fee | 0% FX in 40+ currencies · Up to 2% WXT rewards · Crypto and fiat in one account |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Countries | 34 (UK & EEA) | Best 41 (EEA, UK & 30+ markets) |
| Max daily spend | Best $500,000 | $15,000 |
| Monthly ATM limit | Best $1,000 | $800 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Ethereum, Polygon | Best Ethereum, Stellar, Polygon, Bitcoin |
| Top-up tokens | BTC, ETH, USDC, PLU | Best BTC, ETH, USDT, USDC, XRP +1 |
| Issuer | Plutus | Wirex |
| Network | Visa | Visa |
The quick verdict
Plutus - Starter Card pays the highest headline cashback at 3%, but check the staking requirement: 25 plu.
Wirex - Standard Card is the cheaper travel card at 0% FX, while Wirex - Standard Card wins on annual cost at $0.
Both cards are available in 34 and 41 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- 0% FX across 40+ currencies
- Supports both crypto and fiat balances
Plutus - Starter Card vs Wirex - Standard Card — FAQ
Which is better, Plutus - Starter Card or Wirex - Standard Card?+
Wirex - Standard Card has the higher editor score. Plutus - Starter Card pays 1%–3% cashback with 2.5% FX, while Wirex - Standard Card pays 0.5% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Plutus - Starter Card or Wirex - Standard Card?+
Plutus - Starter Card has a $83.88 annual fee, 0% top-up fee and 2.5% FX. Wirex - Standard Card has a no annual fee annual fee, 0% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Plutus - Starter Card and Wirex - Standard Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.