Plutus
by Plutus
Paused. Card/banking features in migration; card spending currently earns no PLUS This card is excluded from recommendations and rankings.
Subscription-based rewards app paying PLU/PLUS rewards and perks. Card features are being migrated; according to Plutus, card spending currently earns no PLUS.
Key stats
- Base cashback
- No data yet
- Max cashback
9%*Show source
Max cashback: 9%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
Source: Earn up to 9% in rewards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
- Base fee
- No data yet
- FX fee
- No data yet
- ATM fee
- No data yet
- Card fee
- No data yet
- Credit line
- No data yet
- Staking for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher reward levels require holding PLU
Source: Earn up to 9% in rewards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tap a value for its source, retrieval date and confidence. * = conditions apply.
Pros
No clear advantages can be derived from the published data yet.
Cons
- Paused: Card/banking features in migration; card spending currently earns no PLUS
- Top rate of 9% only with conditions — Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
- Higher rewards require staking or holding PLU
- Cashback paid in a volatile token
Who is it for?
Not enough data to say.
Who should avoid it?
- Anyone unwilling to lock up a platform token
- Anyone looking for a card to use long-term right now
Fees
No fees data published or researched yet.
Cashback & rewards
- Max cashback
9%*Show source
Max cashback: 9%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
Source: Earn up to 9% in rewards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
- Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Earn up to 9% in rewards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
- Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher reward levels require holding PLU
Source: Earn up to 9% in rewards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Higher reward levels require holding PLU
- Staking asset
PLUShow source
Staking asset: PLU
Source: Earn up to 9% in rewards
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not yet researched: Base cashback, Cashback paid in, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing
No credit & financing data published or researched yet.
Supported countries & currencies
No availability data published or researched yet.
Features, wallets & supported assets
No features data published or researched yet.
Security & custody
No security & custody data published or researched yet.
Limits
No limits data published or researched yet.
Product
- Product status
Paused*Show source
Product status: Paused
Card/banking features in migration; card spending currently earns no PLUS
Source: Plutus Q1 Migration FAQ
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Card/banking features in migration; card spending currently earns no PLUS
- Tiers / plans
Lite £1.99/mo · Starter £9.99/mo · Everyday £19.99/mo · Premium FX £29.99/mo*Show source
Tiers / plans: Lite £1.99/mo · Starter £9.99/mo · Everyday £19.99/mo · Premium FX £29.99/mo
Prices from 14 September 2026 for existing subscribers
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Prices from 14 September 2026 for existing subscribers
Not yet researched: Card type, Network, Custody model, Launch date, Card issuer / program manager.
Risks to understand
- Staking/holding requirements expose you to the price risk of the platform token.
- Token rewards can lose value between earning and selling.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees | 20% | No data — excluded |
Cashback & rewards Top rate requires staking/holding (−30 % on the max component) · Only an 'up to' rate is published | 20% | 25 |
Availability Product paused | 15% | 0 |
FX & international | 10% | No data — excluded |
Product features | 10% | No data — excluded |
Custody & security | 10% | No data — excluded |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency | 5% | No data — excluded |
Data coverage 35%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Scores are computed by a deterministic algorithm. Affiliate relationships and sponsored placements have no influence. How we score
FAQ
- How much cashback does Plutus pay?
- Highest advertised rate: 9% (Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend).
Change history
- Product status recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Staking / holding required for top rewards recorded · 22 October 2026 · auto-approved
- Staking asset recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved