Wirex One vs Plutus Card
Wirex One scores 13/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 Wirex One |  Plutus Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 0 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 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 | 2 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 13 | 4 |
The short verdict: Wirex One leads overall (13 to 4). Self-custodial wallet, card settlement route not stated, 0% FX, variable spread on crypto sales FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Wirex One | Base 0.5%, Premium 1%, Elite 3%, Private 5%, Bespoke 8%, paid in USD; monthly caps $25, $100, $300, $1,000, $2,000; ATM withdrawals, crypto purchases, gambling and 30-plus merchant categories excluded (official). |
| 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.