Which is cheaper, Plutus or Bitget Wallet?

At $2,000 a month with 20% foreign spending and one $200 ATM withdrawal, Bitget Wallet leaves $511.42 more per year. The result can change with your spending, so the comparison above lets you enter your own amount.

Can I use Plutus and Bitget Wallet in the same country?

One of the two issuers does not publish a country list, so we cannot confirm overlap. Country list not published for Plutus; 41 countries for Bitget Wallet.

Is Plutus or Bitget Wallet safer?

Bitget Wallet scores higher on our safety check (65/100 against 44/100). The score looks at licensing, custody, fund segregation, proof of reserves and incident history.

Which card has better cashback, Plutus or Bitget Wallet?

Plutus pays 3% and Bitget Wallet pays 2% to 3%. Caps, tier rules and fees decide what you keep, which is why the yearly figures above include both.

Plutus vs Bitget Wallet: Crypto Card Comparison of Fees, Cashback and Safety

Crypto card comparison
Feature	Plutus	Bitget Wallet
Countries offered	List not published	41 countries
Card network	Visa	Mastercard
Custody	Custodial	Self-custody
KYC	Full	Full
Top-up assets	EUR, GBP	USDC, USDT
Top-up or conversion fee	0%	0%
FX markup	2.5%	1.7% (better)
ATM fee	2.5%	No ATM access (virtual card only)
Annual fee (base tier)	Free	Free
Card issuance	Virtual Free · Physical €9.99	Virtual $0.10 · Physical Not disclosed
Cashback	3% (better)	2% to 3%
Apple Pay / Google Pay	Not listed	Apple Pay, Google Pay
Safety score	44/100	65/100 (better)
Overall rating	25/100	63/100 (better)
Get the card	Get Plutus	Get Bitget Wallet

Yearly cost at three spending levels

Monthly spend	Plutus	Bitget Wallet
$500	≤ -$23.02 Starter (€6.99 a month)	≤ +$99.60 Base
$2,000	≤ -$113.02 Starter (€6.99 a month)	≤ +$398.40 Base
$5,000	≤ -$293.02 Starter (€6.99 a month)	≤ +$996 Base

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	Plutus Starter (€6.99 a month)	Bitget Wallet Base
Top-up and conversion fees	$0	$0
Spending fees	$0	$0
Foreign exchange markup	-$120	-$81.60
ATM fees	Not disclosed	Not disclosed
Annual, monthly and subscription fees	-$95.60	$0
Cashback	+$102.58	+$480
Net per year	-$113.02	+$398.40

Fees

Plutus charges 0% to convert or top up and 2.5% on spending in a foreign currency. Bitget Wallet charges 0% and 1.7%.

ATM withdrawals: Plutus 2.5%; Bitget Wallet no atm access (virtual card only).

A virtual card costs nothing with Plutus and $0.10 with Bitget Wallet. A physical card costs €9.99 and an undisclosed fee. Neither card has an annual fee on its base tier.

Cashback and rewards

Plutus cashback: 3%. Bitget Wallet cashback: 2% to 3%.

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.

Bitget Wallet tiers: Base: 2%; Booster: 3%.

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.

Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.

Availability and KYC

Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.

Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.

Plutus needs full KYC and Bitget Wallet needs full KYC.

The card finder checks both cards against your country, KYC level and must-have features.

Limits, wallets and card types

Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.

Bitget Wallet does not publish fixed spending or ATM limits.

Plutus does not list Apple Pay or Google Pay support, and Bitget Wallet works with Apple Pay and Google Pay. Plutus and Bitget Wallet issue a virtual card you can use straight away.

Custody and safety

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.

Bitget Wallet scores 65/100. 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. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.

Full reports: Plutus safety check and Bitget Wallet safety check.

About each card

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.

Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.

Which card fits you

Plutus fits if

Its fees and availability match your situation better on the table above.

Bitget Wallet fits if

You want to keep crypto in your own wallet until each payment.
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 vs Bitget Wallet