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Disclaimer: eToro USA LLC; Investments are subject to market risk, including the possible loss of principal. Your capital is at risk. This ad promotes virtual cryptocurrency investing within the EU (by eToro Europe Ltd. and eToro UK Ltd.) &USA (by eToro USA LLC) which is highly volatile, unregulated in most EU countries, no EU protections & not supervised by the EU regulatory framework. Investments are subject to market risk, including the loss of principal. Visa vs Plutus Debit

Trying to decide which crypto debit card is right for you? Then you’re in the right place.

In this comparison, we’re going to look at the Visa debit card and the Plutus Visa debit card, including fees, perks, and more.

Keep reading to figure out which crypto card is best for your personal needs. Visa Overview

The Visa is a prepaid debit card that allows you to spend your cryptocurrency holdings anywhere that accepts Visa. It can be funded with a variety of fiat and digital assets, and rewards can be used anywhere inside or outside the ecosystem. Visa Card Visa Card

  • Up to 5% crypto cashback on all purchases
  • Huge amount of available perks including free Netflix, Spotify and Airport Lounge access
  • Unique CRO staking model offers five different tiers of cards
  • High-quality premium metal cards
Cryptocurrencies Supported 250+
Rewards Up to 5% in crypto cashback

Pros & Cons


  • Multiple funding options and a variety of fiat accepted

  • Rebates on subscriptions

  • Great ecosystem to use rewards in

  • Deposit and withdraw a variety of digital assets


  • High barrier to entry for 3% cash back

  • Perks have been reduced

Plutus Debit Overview

The Plutus Visa is a prepaid debit card that lets you earn crypto cash back on all your purchases, but it can only be funded with fiat. Rewards range from 3-8% per year and you can also get a variety of rebates on subscriptions you use the card for.

Plutus Crypto Visa Card

Plutus Visa Card

  • Very competitive 3% cashback on most transactions
  • Non-custodial wallet for cashback rewards
  • Additional rewards program called Plutus Perks
  • Currently only available to Europeans
Cryptocurrencies Supported Ethereum only
Rewards 3% cashback, Plutus Perks
Daily ATM withdrawal limit €300

Pros and Cons


  • Free option gives 3% back

  • Rebates on subscriptions

  • Can be used anywhere Visa is accepted


  • Not available in US

  • Bank transfer is only funding method and only GBP/EUR

  • Can’t withdraw crypto

Eligibility Requirements

In terms of eligibility, the Plutus Visa debit is more accessible. While you can get a free version of the Visa debit, it gives you no rewards. The free Plutus plan still gives you 3% back though it’s capped at 250 EUR in purchases.

Even the most expensive per month plan for Plutus would still cost less on a yearly basis than the second tier for

Sign-up Process

Getting an account up and running for either option is fairly easy.

For, you need to download the app, create an account, and verify your identity. Once your identity is verified, you can order your card directly from the app.

The process is essentially identical for Plutus, with the added caveat that it’s only available in the EU and UK.

Rewards & Perks

At face value, the rewards and perks of Plutus are much better than on You get 3% cashback at a minimum, with up to 8% back for the highest tier. In contrast, with, you get 0% back at their lowest tier, and to get 3% back you need to lock up $50k USD in CRO.

The only real advantage that’s card has over Plutus is that their ecosystem is much better. You can swap your rewards for all supported assets, withdraw them to an external wallet, and more. The Plutus rewards can only be swapped for ETH or cash, and crypto can’t be withdrawn from the platform.

Pricing & Fees

Both cards are very similar in terms of fees. The minimum fee you’ll have to pay for the card to receive rewards is $50 USD per year, while the minimum fee for Plutus is $0.

At the top end, you need to lock up $500k USD in CRO for 5% cash back with the Visa, while you need to lock up 2,600 PLU (approx $13k USD) for 8% cash back.

Overall, Plutus has lower fees but has less functionality.

Funding Options is the clear winner when comparing funding options for these two Visa debit cards. You can fund the card with seven different fiat currencies, along with converting any supported crypto asset on the platform (100+).

Conversely, you can only fund the Plutus card with your bank account and only in GBP and EUR. You can’t even fund the account with ETH despite them allowing you to buy and sell ETH on the platform.

Optional Cryptocurrencies

Rewards for both cards are solely paid out in the platform’s native digital asset. This means you can only get rewards in Cronos (CRO) using the card, and only in Pluton (PLU) for the Plutus card.

Standout Features

The standout feature for both cards is the same: subscription rebates. With both the and Plutus Visa debit cards, you can get rebates on subscriptions to things like Netflix, Spotify, and more.

However, it’s far easier to access these perks using the Plutus card (you get 1 rebate even with the free plan), than the one (for any rebates past 6 months you must be staking $50k USD in CRO).

Verdict: Barely Edges Out Plutus

Realistically, the Visa debit has a much higher barrier to entry than the Plutus one, especially when you look at cash back and subscription rebate tiers. However, because you have far more flexibility in terms of funding options, being able to swap your rewards for any other supported asset, and being able to withdraw your crypto, the card edges out the Plutus one.

If Plutus were to allow more funding options, or crypto withdrawals, it would likely win this battle, but the fact that you have to deposit and withdraw in fiat with no alternative is a bit restrictive.

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About the Author

Evan Jones

Evan Jones was introduced to cryptocurrency by fellow CryptoVantage contributor Keegan Francis in 2017 and was immediately intrigued by the use cases of many Ethereum-based cryptos. He bought his first hardware wallet shortly thereafter. He has a keen and vested interest in cryptos involving decentralized backend exchanges, payment processing, and power-sharing.

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