Plutus Card vs Revolut Metal
Detailed comparison
| Plutus Card | Criteria | Revolut Metal |
|---|---|---|
| 3 % | Base cashback | 0,1 % |
| 9 % | Premium cashback | 1 % |
| 98 € | Annual fees | 204 € |
| 500 € | Staking required | None |
| 5 000 € | Daily limit | 30 000 € |
| Visa | Network | Visa |
| Available in Europe | ||
| Free ATM withdrawals |
Accepted cryptos3
Accepted cryptos10
Plutus Card vs Revolut Metal: which crypto card should you choose?
Plutus Card and Revolut Metal are two premium cards focused on perks and rewards. Revolut Metal offers RevPoints, lounge access and travel insurance for €13.99/month. Plutus offers up to 9% in PLU plus Netflix/Spotify reimbursements depending on PLU staking level. Both target regular spenders wanting to maximise their monthly perks.
Cashback and rewards: advantage Plutus Card or Revolut Metal?
Cashback is often the primary selection criterion for a crypto card. Both Plutus Card and Revolut Metal offer variable reward levels depending on staked token amounts. As a general rule, the higher the staking, the better the cashback rate, sometimes up to 5% or more. It's worth calculating whether the extra return justifies locking up capital, taking into account the volatility of crypto assets.
Fees, staking requirements and conditions
Beyond cashback, annual fees and staking requirements play a decisive role in a card's real profitability. Plutus Card and Revolut Metal differ on these points: one may be free under certain conditions, while the other requires a token commitment. ATM withdrawals, foreign-currency charges and any monthly commissions should also factor into your analysis.
Our verdict: Plutus Card vs Revolut Metal
For crypto users, Plutus wins on theoretical cashback (up to 9% PLU) and similar perks. For those wanting a stable banking ecosystem without crypto exposure, Revolut Metal is safer. Score: Plutus Card 3.8/5 vs Revolut Metal 3.7/5, tight match depending on your profile.
Frequently Asked Questions
Plutus or Revolut Metal: which offers more perks?
Plutus offers up to 9% cashback in PLU plus Netflix/Spotify reimbursements. Revolut Metal offers lounge access, travel insurance and RevPoints. Plutus is better for crypto cashback; Revolut for the premium banking package.
Is Plutus Card cheaper than Revolut Metal?
Since 2026, Plutus no longer has a free plan: every plan requires a subscription (Starter ~€6.99/month, about €84/year). Revolut Metal costs €13.99/month, so Plutus is still cheaper to get started depending on your usage.
Does Revolut Metal offer crypto cashback?
No. Revolut Metal pays RevPoints (Revolut programme), not convertible to crypto. For crypto cashback like PLU or BTC, Plutus Card or Nexo Card are more suitable.
Check the full terms on the official website.
View offerHow to choose between two crypto cards?
Comparing two crypto cards is not just about looking at the cashback rate on the label. You need to factor in the staking amount required to unlock that rate, the annual fees that eat into net returns, the daily spending limits, and the geographic availability of the card. For instance, a card offering 5% cashback but requiring €10,000 in staking may be less attractive than a 2% card with no staking requirement, depending on your profile. Our comparison puts all these criteria side by side to help you make the best decision. You can also use our cashback simulator to calculate your estimated return based on your spending habits.
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