Bitrefill Card vs Plutus Card
Bitrefill Card scores 6/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 Bitrefill Card |  Plutus Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 0 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 0 of 2 |
| Funding cost | 0 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 1 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 6 | 4 |
The short verdict: Bitrefill Card leads overall (6 to 4). Crypto yours until top-up; euros held by partners, 0% FX at the Visa rate FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Bitrefill Card | 1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page). |
| Plutus Card | 3% on eligible card spend on every plan, rising to 9% through PLU stake levels (official, plutus.it/rewards and plutus.it/plans, checked 20 Oct 2026). Eligible spend is capped at £/€250, 500 or 1,000 a month by plan (official, fees page). Rewards are now called PLUS and accrue as in-app points while card spending is paused (official, Q1 migration FAQ, 20 Feb 2026). The top rate needs 40,000 PLU staked (third-party: SpendNode, 24 Jul 2026). |
Cashback is shown as a dated fact and never scored.