Provider comparison
BitPay Card vs Plutus Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases,…
Effective rewards
BitPay Card
Plutus Card
Reward asset
BitPay Card
Plutus Card
Staking tier
BitPay Card
Plutus Card
Custody
BitPay Card
Plutus Card
Annual fee
BitPay Card
Plutus Card
FX fee
BitPay Card
Plutus Card
ATM fee
BitPay Card
Plutus Card
Conversion spread
BitPay Card
Plutus Card
Network
BitPay Card
Plutus Card
Apple / Google Pay
BitPay Card
Plutus Card
Region availability
BitPay Card
Plutus Card
| Feature | BitPay Card | Plutus Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low |
| Reward asset | None (occasional promos) | 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 | $0 stated | Subscription-based (see plans) |
| FX fee | ~3% foreign transaction fee (poor for travel) | ~2.5% |
| ATM fee | Applies | Verify (limited free allowance) |
| Conversion spread | BitPay conversion rate on load | Fund from fiat/crypto; spread on top-up |
| Network | Mastercard | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | UK and EEA |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
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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