Plutus - Starter Card
Plutus · UK & EEA · personal
Stake PLU for up to 8% cashback and airport lounge access.
Is Plutus - Starter Card worth it?
Plutus still offers one of the highest nominal cashback rates in Europe, but the 8% ceiling requires a large PLU stake, a monthly reward cap and a subscription. The card works well for high-spend users who are comfortable with token risk; casual users will find the fee stack and reward mechanics frustrating.
Pros
- High headline cashback
- Lounge access at higher tiers
- No annual fee
Cons
- Large PLU stake required
- 1.5% FX fee
- Reward caps and subscriptions
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- $83.88
- Monthly fees included where applicable
- Crypto top-up
- 0%
- 0%
- FX fee
- 2.5%
- 2.5%
- ATM fee
- 2%
- 2.5%
- Max daily spend
- $500,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $1,000
- 2.5%
- KYC
- Full KYC
- Full KYC, UK/EEA residency, PLU stake
- Custody
- Custodial
- Issuer holds funds on your behalf
- Card network
- Visa
- debit card · issued by Plutus
Related crypto cards
Other Plutus cards, each priced on its own. Fees, cashback and perks differ per card.
Supported crypto & networks
Where is Plutus - Starter Card available?
Show all 34 supported countries
Availability lists change frequently. Confirm eligibility with Plutus before applying.
Plutus - Starter Card — common questions
Is Plutus - Starter Card available in United States?+
United States is not on Plutus - Starter Card's published availability list. The card is currently offered in UK & EEA; availability can change, so confirm with Plutus before applying.
What fees does Plutus - Starter Card charge?+
Plutus - Starter Card has no issuance fee, a $84 annual fee, a 0% crypto top-up fee and a 2.5% FX fee. ATM withdrawals cost 2%. 2.5%
Does Plutus - Starter Card support Apple Pay and Google Pay?+
Plutus - Starter Card supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Plutus - Starter Card self-custody?+
Plutus - Starter Card uses a custodial model. Plutus holds the funds used for spending, which introduces counterparty risk but simplifies onboarding and recovery.
How does Plutus - Starter Card cashback work?+
Plutus - Starter Card offers 1%–3% cashback. Rewards are paid in PLU. Staking requirement: 25 PLU. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.