10 Plutus Card Alternatives in 2026

In this article we review the Plutus Card Alternatives for crypto enthusiasts who want to most seamlessly spend, earn and manage their digital assets.

There are great alternatives to the Plutus Card that offer flexible liquidity, higher cashback rates, and support for multiple cryptocurrencies.

Whether you are a crypto investor looking to passively hold the maximum permissible value or a high frequency crypto spender, you can enjoy great and safe spend anywhere crypto transactions.

What Are Plutus Card Alternatives?

What are some alternatives to the Plutus Card? With the option of several popular cards, converting credit to crypto can be done quickly and can be used to spend digital assets globally.

Nexo Card, Crypto.com Visa Card, Wirex Card, BitPay Card, Coinbase Card, Revolut (Crypto), Monolith Card, Uphold Card, SpectroCoin Card, and Shakepay Card can all be used to spend digital assets globally.

These cards vary in rewards, fees, and crypto support. For example, Crypto.com offers credit of up to 5% and Nexo offers credit up to 5% and flexible credit lines. Each of these cards caters to different user needs, from multiple assets supported to low-fee spending.

Key Point

Card Name	Key Point / Feature
Nexo Card	Crypto-backed credit card with instant spending and high crypto rewards.
Crypto.com Visa Card	Tiered cashback rewards in CRO, low fees, and worldwide acceptance.
Wirex Card	Supports crypto and fiat payments with cashback rewards and global usability.
BitPay Card	Convert crypto to USD instantly and spend at any merchant accepting Mastercard.
Coinbase Card	Linked to Coinbase wallet, allows instant crypto-to-fiat conversion for spending.
Revolut (Crypto)	Spend and exchange crypto directly in-app, with multi-currency flexibility.
Monolith Card	Ethereum-based card for DeFi assets with transparency and low fees.
Uphold Card	Multi-asset card supporting crypto, stocks, and fiat for flexible spending.
SpectroCoin Card	Multi-currency crypto payments with easy top-ups from wallets.
Shakepay Card	Canadian-focused card offering crypto rewards, instant conversions, and simplicity.

1. Nexo Card – Plutus Card Alternatives – Nexo Card

The Nexo Card is a crypto debit/credit card, which lets you spend your crypto holdings using 80+ supported cryptocurrencies as collateral, and avoids taxable sales events by borrowing against collateral.

You can get Nexo Card with no annual or monthly fees, plus foreign transactions are free up to €20,000/month (0.5% after that).

You can also get 10 free ATM withdrawals each month at higher tiers. If you don’t live in EEA, UK, Switzerland, or Andorra, you can use it (Transak 1). Nexo offers 2% cashback in NEXO tokens or (0.5%) Bitcoin based on your loyalty tier.

Nexo Card – Key Features

• You can take out a loan using the Nexo Card, as it is a loan-backed, collateral-based crypto card.
• Supports 80+ cryptocurrencies.
• Cashback 2% NEXO tokens or 0.5% Bitcoin.
• No annual or monthly fees.
• Foreign transactions free 20,000 Euros per month
• 10 free ATM withdrawals.
• Nexo Available in EEA, UK, Switzerland, Andorra.

Nexo Card Pros & Cons

Pros:

• Up to 2% in Nexo rewards which are crypto and 0.5% in bitcoin.
• No monthly or annual fees.
• No fee foreign transactions up to a specific limit.
• Several free ATM withdrawals each month.
• 80+ cryptocurrencies supported.

Cons:

• Rewards are only offered if Nexo tokens are staked.
• Benefits are eliminated if the value of the collateral decreases.
• It is not offered in every country.
• There is a significant learning curve for people new to crypto-backed credit.

2. Crypto.com Visa Card – Plutus Card Alternatives – Crypto.com Visa Card

You will earn tiered cashback rewards in the form of a prepaid debit card with the Crypto.com Visa Card. You will earn a stake of your CRO and will get 5% cashback on your card purchases, and you will get other rewards, like travel cashback, streaming service reimbursements, etc.

The card has no annual fee and supports many major cryptos for funding, although higher rewards are only obtainable by staking CRO and could be subject to monthly caps on rewards.

This card has Visa acceptance and is in the US, Europe, and a few APAC regions and is a great everyday spend card option next to the Plutus Card.

Crypto.com Visa Card – Key Features

• Visa issuing a card that is partially prepaid and has cashback in a tiered structure will offer a prepaid visa card to pay.
• Provides CRO tokens cashback 5% reward based on how much you stake to the card.
• Supports several different cryptocurrencies to fund the card.
• No annual fee. Some perks are CRO staking.
• Higher tiers offer streaming and travel rebates.
• Accepted globally with Visa.

 Crypto.com Visa Card Pros & Cons

Pros:

• They have a tier system where you can get 5% cash back.
• There are additional features like travel and streaming rebates.
• They are accepted globally.
• There are no annual fees for most tiers.

Cons:

• You are required to stake CRO in order to get the most benefits.
• There are limits on rewards for some tiers.
• A lot of people find the ap. to be complicated or lacking.

3. Wirex Card – Plutus Card Alternatives – Wirex Card

The Wirex Card is a crypto and fiat debit card that is used globally, and supports more than 25 cryptocurrencies. Users receive cashback with the Cryptoback™ program, which offers 1–2% cashback for the majority of users (higher staking levels may earn cashback up to ~8%).

Wirex has no annual fees and many regions come without foreign exchange fees, which is great for travel. They are accepted in 40+ regions which include Europe, the UK, Australia, and Asia.

Users can spend and have funds converted in real-time at the pos, and manage everything via the Wirex app. Better cashback rates can be obtained by staking the Wirex token (WXT), which affects how rewards are optimized.

Wirex Card – Key Features

• Wirex has a crypto card and In addition to that, you get the Wirex Visa card so you can get crypto as well.
• 25+ crypto card support.
• 1-2% cashback card, and with Wirex tokens you can get up to 8%.
• No yearly fees and little or no foreign fees.
• Wirex is available across 40+ countries. You can convert crypto to fiat instantly when you buy.

Wirex Card Pros & Cons

Pros:

• You can get both crypto and fiat on the same card.
• Cash back is offered at a rate of 1-8% based on what you stake.
• There are no fees or low fees in most regions for foreign exchange.
• They are widely recognized and approved.

Cons:

• You have to stake the Wirex tokens for the best rewards.
• The main customer service response times differ from region to region.
• Some features regionally limited.

4. BitPay Card – Plutus Card Alternatives – BitPay Card

The BitPay Card is a standard prepaid Mastercard. It converts cryptos to be spent (like BTC, ETH, and USDC) and uses the converted USD at any merchant that supports Mastercard.

There is no active rewards program with the card so there is no cashback similar to Plutus Card, but it is good for simple crypto spending. The fees are a one-time card issuance fee, plus any foreign ATM/ transaction fees.

Currently, it is only available to US residents, and is a good option for your needs in straightforward crypto-to-fiat spending without excessive stake or tier levels.

BitPay Card – Key Features

• A Mastercard that’s prepaid and allows conversion of crypto to USD immediately.
• Compatible with BTC, ETH, USDC, and several other top cryptocurrencies.
• Makes it easy to spend cryptocurrency but does not provide any crypto reward.
• Can be issued a card once. Possible FIAT, ATM, and foreign currency conversion fees.
• US only.

 BitPay Card – Pros & Cons

Pros:

• Easy to spend by converting crypto to fiat

• Accepted almost anywhere MasterCard is accepted

• Beginners can find it easy to use

Cons:

• No cash back or reward programs

• Both the card is fee, as well as ATM and FX fees can be assessed

• Just U.S. customers can access it

• Crypto reward programs are limited

5. Coinbase Card – Plutus Card Alternatives – Coinbase Card

With the Coinbase Card, you connect it to Coinbase and spend crypto in real time. As long as you have crypto in your account, it is compatible with multiple cryptocurrencies and will automatically convert your crypto to fiat at the time of checkout.

Depending on your assets and promotions, you can earn rewards of roughly ~4% crypto cashback, although most of the time the rates are lower.

There are no annual fees, but there may be conversion fees when spending non-stable coins. This card is usable in the US and large portions of Europe and is probably the best option for people who use Coinbase for its good card integration and easy functionality without much tier necessities.

Coinbase Card – Key Features

• Direct link to your Coinbase wallet.
• Coinbase card supports all the cryptocurrencies available in your Coinbase account.
• Card converts crypto to fiat automatically at the point of sale.
• Offers up to four percent rewards in crypto.
• Card does not have an annual fee and conversion fees are low.
• US and Europe.

Coinbase Card – Pros & Cons

Pros:

• Coinbase wallet has built-in integration

• A variety of crypto assets are supported

• Up to 4% crypto back rewards

• No fees on the card annually

Cons:

• Some transactions may incur conversion fees

• Compared to other services, reward rates are lower

• Availability is limited on the regions

• Requires a Coinbase account

6. Revolut (Crypto) – Plutus Card Alternatives – Revolut (Crypto)

The Revolut crypto card is a crypto payment card. You can spend any amount in your crypto balance as Revolut will convert your crypto to fiat at checkout and there are no exchange fees, although there may be a fair usage fee.

You can choose which crypto balances to use or turn on an “all crypto” mode. Supported currencies include more than 200 cryptos inside the Revolut app. Annual fees are nonexistent on the basic plans, while paid plans provide added benefits.

This card can be used in multiple regions worldwide and works best if you seek robust digital banking services coupled with crypto spending.

Revolut (Crypto) – Key Features

• Card allows you to spend crypto through a card that looks and functions like a debit card.
• You can spend and invest in more than 200 cryptocurrencies with the card.
• Card converts crypto to fiat at the point of sale and does not charge any currency conversion fee.
• Basic Plan does not have an annual fee, and its premium counterparts come with more features.
• Card is available in various regions around the world.

Revolut (Crypto) – Pros & Cons

Pros:

• Over 200 different cryptocurrencies are supported

• Spending and conversion are easy and can be done in the app

• There are no foreign exchange fees on the basic plans

• Banking and crypto are all offered in one place

Cons:

• Paid plans offer the best features

• There are limits on features by region

• A real, decentralized wallet doesn’t exist

• You don’t hold your crypto directly, meaning it is not within your control

7. Monolith Card – Plutus Card Alternatives – Monolith Card

The Monolith Card was one of the Ethereum crypto debit cards. Monolith cards provided non-custodial wallets where users hold their own private keys. The card supported ETH and ERC-20 tokens and placed transaction fees and topped up fees, with no annual fees.

This card did not provide a cashback program, making it a different alternative to the Plutus Card. Although Monolith has shut down; they are no longer issuing cards, but the legacy users still used Monolith’s DeFi-centric services. Monolith’s closure indicates how fluid the crypto card market was in 2026.

Monolith Card – Key Features

• A card that uses DeFi assets and is built on the Ethereum blockchain.
• Monolith card is built to support ETH and other ERC-20 tokens.
• You can see the fees for your transactions and for topping up your card.
• Card does not have an annual fee.
• Card does not generate cash-back rewards.
• Card is no longer in service, only available to legacy users.

 Monolith Card – Pros & Cons

Pros:

• • Card for Ethereum and other DeFi assets that is targeted towards users of blockchain
• • No yearly fee
• • Complete command of self-custody wallet

Cons:

• • No rewards
• • Transaction and top-up fees
• • Legacy only: Card operations have ceased
• • Not adaptable for daily widespread use

8. Uphold Card – Plutus Card Alternatives – Uphold Card

The Uphold Card is a crypto debit card that is also a crypto-linked card. You can use it to spend your crypto, stablecoins, and fiat. You can use the card anywhere in the world where Visa is accepted.

There are no fees on foreign transactions, and you can use it to transact in supported currencies, and it will do point of sale currency conversions.

Certain versions provide XRP rewards (up to ~6% on purchases, subject to promotional conditions). Basic plans have no setup or annual fees; however, fees may apply to higher reward tier plans. Hence, for global spenders and frequent flyers, this is a flexible alternative to the Plutus Card.

Uphold Card – Key Features

• A crypto-linked Visa debit card.
• Supports multiple cryptocurrencies, stablecoins, cryptocurrencies, and government-issued money.
• No foreign transaction fees.
• 6% reward distribution in XRP.
• No initial or yearly fees for the basic tier.
• Operates wherever Visa cards are used.

 Uphold Card – Pros & Cons

Pros:

• • Hundreds of supported assets (crypto & fiat)
• • No fees for foreign transactions
• • Up to ~6% rewards on XRP
• • Usable internationally where Visa is accepted

Cons:

• • Promotional/rewards may vary
• • Fees may apply on certain advanced features
• • Certain assets may have spread and liquidity
• • Need to set up an Uphold account

9. SpectroCoin Card – Plutus Card Alternatives – SpectroCoin Card

The SpectroCoin Card is a crypto Visa debit card. It allows users to load crypto on the card and spend it anywhere in the world. It works with millions of merchants. The card supports 40 or more cryptocurrencies.

SpectroCoin offers both virtual and physical cards. Cards are issued with no cashback offers. SpectroCoin also offers a competitive pay-per-use fee card; you can also obtain an IBAN account to hold fiat currencies. It is primarily for residents of the European/EEA region.

The card, unlike most cards, does not offer rewards for frequent use. Cardholders can add a sufficient crypto balance Stacking crypto rewards and the global acceptance of the SpectroCoin card is a favorable option for everyday spending.

SpectroCoin Card – Important Features

• Debits Visa crypto cards with physical and virtual card options.
• 40+ Crypto support.
• Reasonable spending limits and fees.
• Available IBAN accounts for fiat money transfers.
• Only for residents in the European/EEA.
• No cashback.

 SpectroCoin Card – Pros & Cons

Pros:

• • 40+ cryptocurrencies supported
• • Option for both physical and virtual cards
• • Can link to an IBAN for fiat services
• • European/EEA users best suited

Cons:

• • No rewards/cashback programs
• • Fees for on top-up and transactions
• • Limited services outside of Europe/EEA
• • Not as feature-rich as competitors

10. Shakepay Card – Plutus Card Alternatives – Shakepay Card

The Shakepay Visa Prepaid Card (applicable to Canada only) allows you to earn up to approximately 1.5% Bitcoin cashback on purchases. The cashback will be credited automatically to your Shakepay account.

You can spend Canadian dollars, which are loaded from your Shakepay balance. You can use the card at any merchant worldwide that accepts Visa, and the card does not have annual fees or hold any credit requirements.

It facilitates BTC and ETH, and since rewards are paid in Bitcoin, it’s tailored for Canadians looking to earn crypto while they spend. While it’s crypto support and cash back are more limited than competitors, it’s one of the very few Plutus Card alternatives for Canadians.

Shakepay Card – Important Features

• Canadians get a Visa prepaid card.
• Get 1.5% Bitcoin cash back.
• Use CAD anywhere in the world with any Visa-enabled merchant.
• No yearly fees, and no credit checks.
• Supports ETH and BTC.
• Bitcoin cash rewards.

Shakepay Card – Pros & Cons

Pros:

• • ~1.5% Bitcoin cashback
• • No fees or credit checks annually
• • Setup is easy and Canadian-focused
• • BTC payouts of rewards directly

Cons:

• • Only BTC & ETH support
• • Canada only
• • Reward rates are lower compared to other cards
• certain tiered cards
• • Cannot enable more extensive multi‑crypto transactions

Factors to Consider When Choosing a Crypto Card

Fees & Charges: Take into account card issuance, monthly, ATM withdrawal, and foreign transaction fees. Alternatives to consider include Plutus, Nexo, Crypto.com, Wirex, BitPay, Coinbase, Revolut, Uphold, SpectroCoin, Shakepay, Monolith.

Supported Cryptocurrencies: Crypto.com and Wirex can accommodate a much broader and diverse range of crypto assets than Monolith, who exclusively supports ERC-20 tokens. Make sure they support your chosen cryptos (BTC, ETH and/or any stablecoins).

Cashback & Rewards: Check for cashback, staking bonuses, or loyalty bonuses. Crypto.com has 5% cashback and Nexo and Plutus have flexible bonuses and additional rewards.

Regional Availability: Check in what countries / regions the card operates. Shakepay only operates in Canada, Revolut and Wirex are in Europe, and the Coinbase card is available in the US and Europe

Security & Compliance: Choose Bitpay, Coinbase, and Uphold if you want a card focused on compliance, regulation, and a secure infrastructure. You’re likely to have less privacy, more KYC, and less attention to fraud in exchange for a more secure card.

Conclusion

To sum up, considering other options instead of Plutus Cards gives traders and other crypto enthusiasts plenty of opportunities to optimize their workflows for the most effective management, spending, and growth of their digital assets. Such options include the Crypto.com Visa Card, the Wirex Card, the Bitcoin Debit Card, and the Coinbase Card.

All of these cards are great for everyday crypto and cash investments and spending due to the support of multiple cryptocurrencies, low or no fees, and great cash/crypto rewards.

Every choice contains some other beneficial factors, and these include seamless app integration, worldwide acceptance, and more. That way, by choosing cards based on features, fees, and supported countries, users are guaranteed choice, convenience, and active management on how they spend their cryptocurrencies.

FAQ