Plutus
Best for published card terms and costs
How it rates
- Programme page published at a public address
- Fee documentation reachable without an account
- Terms not found at a conventional public address
Each indicator scores 2, 1 or 0. A pillar is the points earned over the points available; the overall score is the weighted sum. Every source below is public — check any of them yourself.
- Met
- Not metTerms and conditions published
Not found at a conventional address at this check.
- Met
- Met
- Met
- Met
- Met
- Met
- PartialRates displayed on the fee page
Fee page reachable; specific rates not captured at this check.
plutus.it/fees - Not metTerms describe charges and liability
Not found at a conventional address at this check.
- Met
- Met
- Not metTerms published
Not found at this check.
- Not metSupport or help resource published
Not identified at this check.
- Met
- Met
- Met
- Not metTerms documentation published
Not found at this check.
- Not metSupport channel published
Not identified at this check.
- Met
- Met
- Met
- Not metTerms reachable
Not found.
- Not metSupport reachable
Not identified.
- Met
A UK and EEA card paying 3% to 9% in PLU with subscription plans, capped eligible spend and a 2.5% foreign transaction fee.
Our assessment
Plutus is a UK and EEA non-custodial Visa paying 3% to 9% in its own PLU token, with perks that rebate subscriptions like Netflix and Spotify. Two 2026 changes matter more than the headline rate: the free tier was removed, and FX now costs 2.5%.
Every plan now costs money
Plans run £6.99 a month with eligible spend capped at £250, £14.99 capped at £500, and £29.99 capped at £1,000. The cap is the critical number: at the Starter plan, 3% of £250 is £7.50 a month against a £6.99 fee. Reward rates on capped spend behind a subscription are an arithmetic problem, not a benefit, and the answer depends entirely on how much you spend.
The 9% rate is a token position
Reaching 9% requires staking roughly 40,000 PLU — several thousand pounds of a thinly traded token, locked, with price risk you carry. Perks are unlocked the same way. As with every stake-to-earn card here, the honest framing is that you are taking a position in the token and receiving cashback as a dividend on it.
FX went from free to 2.5%
A 2.5% foreign transaction fee, where there previously was none, is larger than the base reward rate. For anyone spending outside their home currency this reverses the economics of the card entirely, and it is the sort of change that does not get announced as loudly as a rate increase.
Who it suits
Plutus fits UK and EEA users who spend predictably at home, will actually use the perk rebates, and are comfortable holding PLU. Occasional or international spenders will lose more to the subscription and FX than the rewards return.
How rivals compare
| Service | Score | Best for | |
|---|---|---|---|
| Crypto.com Visa Card | 9.7 | published card terms and costs | Read → |
Frequently asked
Does this score rate Plutus's rewards?
No. Rewards and cashback change frequently and are not scored. The score reflects what a prospective cardholder can read before applying: programme page, fee documentation and terms.
Why is cost weighted so heavily for cards?
A card is a payment rail. Its conversion spread and fees are the product, so the rubric puts 35% of the weight on whether those are published and readable.
Is regional availability part of the score?
No. Our methodology excludes country availability from scoring entirely. Check the provider's own terms for where the card is offered.