Binance Card vs Plutus
Crypto native
Crypto native
Verdict
- Binance Card scores higher overall (4.9 vs 4.3 out of 10).
- Binance Card is clearly stronger on: Fees, FX & international, Limits & ATM.
- Plutus is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- Stablecoin holders
Stronger on: Fees, FX & international, Limits & ATM
Plutus is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Cashback & rewards
Score by criterion
| Criterion | Binance Card | Plutus |
|---|---|---|
| Fees | 100 | 85 |
| Cashback & rewards | 8 | 25 |
| Availability | 3 | 0 |
| FX & international | 20 | 0 |
| Product features | 70 | 70 |
| Custody & security | 60 | – |
| Credit & financing | – | – |
| Limits & ATM | 87 | 50 |
| Transparency | 93 | 86 |
| Best for Cashback | 3.6 | 3.8 |
| Best for Travel | 4.8 | 3.4 |
| Best for DeFi Users | 5.5 | 5.2 |
| Best for Stablecoins | 5.6 | n/a |
| Best for High Spenders | 4.3 | 4.1 |
| Best for Low Fees | 7.7 | 5.9 |
| Best for Beginners | 6.3 | 5.9 |
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
Card type
Debit card*Show source
Card type: Debit card
Card currently in migration per other Plutus pages
Source states (paraphrased): when you make purchases with our Visa Debit Card.
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Card currently in migration per other Plutus pages
Network
Visa*Show source
Network: Visa
Card currently in migration per other Plutus pages
Source states (paraphrased): when you make purchases with our Visa Debit Card.
Source: Earn up to 9% in rewards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Card currently in migration per other Plutus pages
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Card issuer / program manager
Block Code LT UAB (Plutus); card provided by a banking partner (EMI)Show source
Card issuer / program manager: Block Code LT UAB (Plutus); card provided by a banking partner (EMI)
Source states (paraphrased): We are Block Code LT UAB, trading as Plutus
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Tiers / plans
Starter · Everyday · PremiumShow source
Tiers / plans: Starter · Everyday · Premium
Source states (paraphrased): the Starter , Everyday and Premium plans
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Annual Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Monthly fee
£1.99/month*Show source
Monthly fee: £1.99/month
Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan
Source states (paraphrased): | Lite | £1.99 /mo | 3% | | £100
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Cheapest listed paid plan (Lite), from 14 Sep 2026; page does not mention a free plan
Physical card fee
Free*Show source
Physical card fee: Free
Issuance; 30 BRL if the physical card is cancelled within one year
Source states (paraphrased): Card Issuance Fee 0 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Issuance; 30 BRL if the physical card is cancelled within one year
€9.99*Show source
Physical card fee: €9.99
Same on all plans
Source states (paraphrased): 1.6 Physical Card Order Fee Starter Everyday Premium €9.99 / £9.99
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Same on all plans
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Virtual cards are free of charge while physical cards are subject to an order fee
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
FX fee
2%*Show source
FX fee: 2%
1–2% depending on the transaction
Source states (paraphrased): Foreign Exchange Fee 1-2%
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
1–2% depending on the transaction
2.5%*Show source
FX fee: 2.5%
Same on all plans
Source states (paraphrased): if you use a EURO-denominated card to make a payment in a currency other than EURO, a 2.5% fee will be imposed
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Same on all plans
Crypto conversion fee
1%*Show source
Crypto conversion fee: 1%
Trading fee 1% on Starter; 0% on Everyday and Premium
Source states (paraphrased): 1.3 Trading Fee Starter Everyday Premium 1% 0% 0%
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Trading fee 1% on Starter; 0% on Everyday and Premium
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): 1.1 Fiat Deposit Starter Everyday Premium Free
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
ATM fee
$1.50*Show source
ATM fee: $1.50
After 2 free withdrawals per month
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
After 2 free withdrawals per month
2.5%*Show source
ATM fee: 2.5%
Same on all plans; note the EEA terms state ATM withdrawals are not permitted
Source states (paraphrased): 3.1 ATM withdrawal Starter Everyday Premium 2.5%
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 55%
Same on all plans; note the EEA terms state ATM withdrawals are not permitted
Other fees & markups
Dynamic PLU rewards payout fee (gas + service fees)Show source
Other fees & markups: Dynamic PLU rewards payout fee (gas + service fees)
Source states (paraphrased): PLU payout fees are dynamically linked to the Ethereum network's GAS fees
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback & rewards
Max cashback
3%*Show source
Max cashback: 3%
Up to; paid monthly into the Binance wallet
Source states (paraphrased): Earn up to 3% cashback on all your spending.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to; paid monthly into the Binance wallet
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Up to; 3% base on subscription plans, higher reward levels require holding more PLU; currently not earned on card spend
Cashback paid in
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Dynamic Rewards Points (in-app, not withdrawable)Show source
Cashback paid in: Dynamic Rewards Points (in-app, not withdrawable)
Source states (paraphrased): These are not eligible for withdrawal and may be used only within the Plutus app
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback type
PointsShow source
Cashback type: Points
Source states (paraphrased): PLUS are in-app points and will not be offered as an on-chain utility until we are licensed.
Source: An update to your Plutus plan
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Cashback-eligible spend cap
€250/month*Show source
Cashback-eligible spend cap: €250/month
Monthly, Starter plan; Everyday EUR 500, Premium EUR 1,000
Source states (paraphrased): 4.5 Card Spend Eligible for Rewards (monthly) Starter Everyday Premium £250 / €250
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Monthly, Starter plan; Everyday EUR 500, Premium EUR 1,000
Cashback conditions
Requires a Starter, Everyday or Premium subscription plan · Monthly reward limits per plan, reset on the 1st of each month · Rewards pending for 45 days after settlementShow source
Cashback conditions: Requires a Starter, Everyday or Premium subscription plan · Monthly reward limits per plan, reset on the 1st of each month · Rewards pending for 45 days after settlement
Source states (paraphrased): The PRS will be marked as ‘Pending’ in your account for 45 days
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Higher reward levels require holding PLU
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Pluton (PLU / Rare PLU)Show source
Staking asset: Pluton (PLU / Rare PLU)
Source states (paraphrased): It can no longer be earned via card spending and is used for Reward Level progression
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Reward expiry / vesting
Unredeemed points expire 30 days after subscription cancellation; remaining rewards forfeited on account closureShow source
Reward expiry / vesting: Unredeemed points expire 30 days after subscription cancellation; remaining rewards forfeited on account closure
Source states (paraphrased): any unredeemed PLUS Points associated with your subscription tier will automatically expire 30 days after the cancellation date
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Reward exclusions
Business/commercial transactions · Payments to other accounts or cards · Money transfers and wallet top-ups · Financial services, loans, currency exchanges · Investments · Gift cards, prepaid cards, vouchers · Gambling and lotteries · Refunded transactions · Payments to government institutions/overpaymentsShow source
Reward exclusions: Business/commercial transactions · Payments to other accounts or cards · Money transfers and wallet top-ups · Financial services, loans, currency exchanges · Investments · Gift cards, prepaid cards, vouchers · Gambling and lotteries · Refunded transactions · Payments to government institutions/overpayments
Source states (paraphrased): amounts related to gift cards, prepaid cards, reloadable cards and/or vouchers/coupons
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Availability
Available in
Brazil*Show source
Available in: Brazil
Currently only Brazil
Source states (paraphrased): Your Binance Account country of residence must be one of the supported countries of Binance Card. Currently we support: Brazil.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Currently only Brazil
United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden*Show source
Available in: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Cyprus, Romania, Slovakia, Slovenia, Spain, Sweden
Listed EEA countries (Estonia and Norway not listed) plus United Kingdom
Source states (paraphrased): you must have legal residence status in one of the following supported countries or territories
Source: Currently Supported Countries
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Listed EEA countries (Estonia and Norway not listed) plus United Kingdom
Features
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Google Pay - Yes.
Source: Virtual Cards FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): Your Plutus Card can be virtual or physical (as chosen by you)
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Add your virtual card to your wallets to start spending your crypto.
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Virtual card: Yes
Source states (paraphrased): Your Plutus Card can be virtual or physical (as chosen by you)
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM Withdrawal Fee 2 Free Monthly Withdrawals, thereafter 1.5 USD each
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Binance Crypto Card supports the following cryptocurrencies: USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK, XRP, BRL, U
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Limits
Spending limit
R$25,000*Show source
Spending limit: R$25,000
Per day (50,000 BRL per month); higher with further verification
Source states (paraphrased): Spending Limit 25,000 BRL 50,000 BRL 200,000 BRL
Source: https://www.binance.com/en/cards
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Per day (50,000 BRL per month); higher with further verification
€500,000*Show source
Spending limit: €500,000
Daily; single transaction also EUR 500,000; rolling 30 days EUR 1,000,000
Source states (paraphrased): 4.2 Daily Card Spending Limit Starter Everyday Premium £500,000 /€500,000
Source: Fees & Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Daily; single transaction also EUR 500,000; rolling 30 days EUR 1,000,000
Security & custody
Regulation / licences
Authorised Electronic Money Institution (Lithuania)*Show source
Regulation / licences: Authorised Electronic Money Institution (Lithuania)
Terms state Plutus is incorporated in Lithuania and is an authorised EMI; also states Plutus as a company is not regulated by financial authorities for crypto matters
Source states (paraphrased): an authorised Electronic Money Institution
Source: Plutus Terms and Conditions - EUR
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Terms state Plutus is incorporated in Lithuania and is an authorised EMI; also states Plutus as a company is not regulated by financial authorities for crypto matters
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs−16 EUR
- Cashbackunknown
- Net annual valuenot enough data
Plutus
- Annual & monthly fees−29 EUR
- FX costs−90 EUR
- Crypto conversion–
- ATM costs−30 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers