Coinbase Card vs Plutus Card
Coinbase Card scores 8/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 Coinbase Card |  Plutus Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 0 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 0 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 8 | 4 |
The short verdict: Coinbase Card leads overall (8 to 4). Custodial; Coinbase says it cannot use your USDC, no official FX rate published FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Coinbase Card | US only: variable crypto reward, "Check your app for the most updated rate" (official, coinbase.com/card, checked 20 Oct 2026); historically up to 4% (third-party: CryptoSlate, 3 Oct 2026). No cashback on the UK card found. Coinbase One Card: 2%, 2.5%, 3% or 4% in Bitcoin by assets held on Coinbase, higher tiers capped at $10,000 of purchases a month; 5% on travel bookings (official, coinbase.com/creditcard). |
| 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.