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Updated for August 2026

Crypto.com vs Plutus Card

Two no-fee crypto cards, head to head. Here’s how they stack up.

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
Plutus Card#2
VisaDebit
Plutus Card card
Cashback
Up to 9%
Monthly fee
6.99 USD/month
Our score
2.7
Get Plutus Card

The bottom line

Choose Crypto.com if…

you want a no-fee prepaid card with solid everyday value.

5% cashbackNo monthly fee2.2★ rating

Choose Plutus Card if…

you want the highest cashback in this matchup — earn up to 9% back on everyday spend.

Up to 9% cashback6.99 USD/month/mo2.7★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Plutus Card logoPlutus Card

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

Plutus Card

Plutus Card card
Get Plutus Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly fee6.99 USD/month
CashbackUp to 9%
FX fee2.5%
Savings0.0
ATM fee2.5%
Currencies4
Supported countries26
—

Bonus offers

No current bonus offer.

10 EUR bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback rate (base)3%
Cashback paid inPLU crypto
Monthly cashback cap (entry plan)€7.50
Welcome bonus
Cash cashback
—

Pros

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • Non-custodial wallet control
  • Personal IBAN included
  • Up to 9% crypto cashback
  • Virtual card free
—

Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • Monthly fee €6.99 to €19.99
  • €10 inactivity fee
  • 2.5% FX fee
  • ATM withdrawals cost 2.5%
  • Physical card costs €10
  • Entry cashback capped at €7.50/month
  • Above 3% cashback requires locking PLU tokens
  • Manual preload only, no auto-conversion
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Options to Crypto.com

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card