TP Card vs Plutus Card
TP Card scores 7/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 TP 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 | 2 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 | 7 | 4 |
The short verdict: TP Card leads overall (7 to 4). Tokenised deposit in own wallet; Fiat24 can block, no transaction fee in USD, EUR, CHF FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| TP Card | None on spending. Referral commissions on invitees' top-up fees, paid in USDC with a 10 USDC minimum withdrawal, plus points (1,000 to the inviter and 5,000 to the invitee per valid referral, 1 point per 1 USDC topped up, expiring after 180 days); a valid referral needs KYC and a 100 USDC top-up within 30 days (official, Commission Rewards page, checked 20 Oct 2026). |
| 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.