Provider comparison
Crypto.com Visa Card vs Plutus Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visi…
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases,…
Effective rewards
Crypto.com Visa Card
Plutus Card
Reward asset
Crypto.com Visa Card
Plutus Card
Staking tier
Crypto.com Visa Card
Plutus Card
Custody
Crypto.com Visa Card
Plutus Card
Annual fee
Crypto.com Visa Card
Plutus Card
FX fee
Crypto.com Visa Card
Plutus Card
ATM fee
Crypto.com Visa Card
Plutus Card
Conversion spread
Crypto.com Visa Card
Plutus Card
Network
Crypto.com Visa Card
Plutus Card
Apple / Google Pay
Crypto.com Visa Card
Plutus Card
Region availability
Crypto.com Visa Card
Plutus Card
| Feature | Crypto.com Visa Card | Plutus Card |
|---|---|---|
| Effective rewards | 1-2% realistic (mid-tiers); 5% ceiling needs $400k CRO staked | 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low |
| Reward asset | CRO | PLU |
| Staking tier | CRO $0 (1%) / $400 (2%) / $4k (3%) / $40k (5%) / $400k (5%+perks), locked 180 days | 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; some regions charge shipping/issuance | Subscription-based (see plans) |
| FX fee | None up to monthly limit, then ~0.5-3% | ~2.5% |
| ATM fee | Free to monthly cap (e.g. $200-$1k by tier), then ~2-3% | Verify (limited free allowance) |
| Conversion spread | Interbank-ish, no explicit spread disclosed | Fund from fiat/crypto; spread on top-up |
| Network | Visa | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | US, EEA, UK, Canada, APAC, LATAM (varies) | UK and EEA |
Crypto.com Visa Card
The Crypto.com Visa Card lets you earn crypto cashback on purchases and access perks like airport lounge visits. It is a custodial card that requires staking CRO tokens to unlock higher reward tiers.
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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