Yearly cost at three spending levels
| Monthly spend | Crypto.com Card | Plutus |
|---|---|---|
| $500 | ≤ -$24 Basic (Midnight) | ≤ -$23.02 Starter (€6.99 a month) |
| $2,000 | ≤ -$96 Basic (Midnight) | ≤ -$113.02 Starter (€6.99 a month) |
| $5,000 | ≤ -$240 Basic (Midnight) | ≤ -$293.02 Starter (€6.99 a month) |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Crypto.com Card Basic (Midnight) | Plutus Starter (€6.99 a month) |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | -$120 |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$95.60 |
| Cashback | $0 | +$102.58 |
| Net per year | -$96 | -$113.02 |
Fees
Crypto.com Card charges Not disclosed to convert or top up and 2% on spending in a foreign currency. Plutus charges 0% and 2.5%.
ATM withdrawals: Crypto.com Card 2% after €200 free a month; Plutus 2.5%.
A virtual card costs nothing with Crypto.com Card and nothing with Plutus. A physical card costs €4.99 and €9.99. Neither card has an annual fee on its base tier.
Cashback and rewards
Crypto.com Card cashback: None. Plutus cashback: 3%.
Crypto.com Card tiers: Basic (Midnight): 0%.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 a month.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
Availability and KYC
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
Crypto.com Card needs full KYC and Plutus needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
Crypto.com Card works with Apple Pay and Google Pay, and Plutus does not list either. Crypto.com Card and Plutus issue a virtual card you can use straight away.
Custody and safety
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee pages.
Plutus scores 44/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
Full reports: Crypto.com Card safety check and Plutus safety check.
About each card
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP and its balance is held in EUR.
Which card fits you
Crypto.com Card fits if
- You spend in foreign currencies often, since its FX markup is lower.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Plutus fits if
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You want a higher cashback ceiling (up to 3%).
Read more: Crypto.com Card fees and details · Plutus fees and details · Crypto.com Card review