Provider comparison
Coinbase Card vs Plutus Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit…
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases,…
Effective rewards
Coinbase Card
Plutus Card
Reward asset
Coinbase Card
Plutus Card
Staking tier
Coinbase Card
Plutus Card
Custody
Coinbase Card
Plutus Card
Annual fee
Coinbase Card
Plutus Card
FX fee
Coinbase Card
Plutus Card
ATM fee
Coinbase Card
Plutus Card
Conversion spread
Coinbase Card
Plutus Card
Network
Coinbase Card
Plutus Card
Apple / Google Pay
Coinbase Card
Plutus Card
Region availability
Coinbase Card
Plutus Card
| Feature | Coinbase Card | Plutus Card |
|---|---|---|
| Effective rewards | 1-4% (rotating; 4% on select tokens, 1% on BTC/ETH/DAI) | 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low |
| Reward asset | Rotating (e.g. XLM, GRT, AMP, RLY at 4%; BTC/ETH/DOGE/DAI at 1%) | PLU |
| Staking tier | Paid plan required (Starter GBP6.99 / Everyday GBP9.99 / Premium GBP19.99); optional PLU stake boosts rate/perks | |
| Custody | Custodial | Custodial |
| Annual fee | No annual fee | Subscription-based (see plans) |
| FX fee | No foreign transaction fee | ~2.5% |
| ATM fee | No Coinbase ATM fee (operator fees may apply) | Verify (limited free allowance) |
| Conversion spread | Spread on crypto sold to fund purchase (Coinbase spread) | Fund from fiat/crypto; spread on top-up |
| Network | Visa | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only | UK and EEA |
Coinbase Card
Coinbase Card lets you spend cryptocurrency directly from your Coinbase account. It is a custodial Visa debit card that converts crypto to fiat at the point of sale.
Plutus Card
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases, combining a prepaid debit card with a self-custodial wallet.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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