GetPlu review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
GetPlu pays 3% cashback on everyday spending, so it suits people who clear the card balance each month and want their money back in cash. The £6.99 paid plan only earns its place when the higher 3% to 9% tier rewards clear that cost.
Key facts
- Best for
- Everyday spenders who pay the card off in full and want cash back each month.
- Currency conversion fee
- 2.5%↗
- Rewards type
- Cashback↗
- Rewards rate
- 3% back on daily purchases, up to 9% at higher loyalty tiers↗
- Perks
- 50+ merchant perks offering up to £10 in monthly rewards, Access to 70 million+ merchants↗
- Cashback rate
- 3%↗
- Card kind
- Credit↗
- Legal entity
- Block Code Ltd↗
- Headquarters
- United Kingdom↗
- Founded
- 2015↗
- Support channels
- Help-centre, Community↗
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- plutus.it
Debit cards
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Cashback of 3% on daily purchases, with rewards running 3% to 9% across the loyalty tiers.
- no annual fee in place of an annual charge, and Free fiat deposit for adding cash.
- The crypto side sits in self custody through a mobile app, alongside a debit card on visa.
Cons
- The higher end of 3% to 9% is tied to a paid plan at £6.99 a month, so the top rate has to be earned back in spending.
- A 2.5% conversion fee sits above the 2% typical of credit cards here.
- Support runs on help centre and community only, so a phone or live chat line is out of reach.
Who it suits
- People who clear the card balance each month and want the money back as cash.
- Holders who already keep crypto in self custody and want the card in the same app.
- Shoppers whose everyday spend would more than cover the £6.99 paid plan.
Who should look elsewhere
- Starling Personal Account Debit Card, where the rewards type is none, for anyone who does not want to chase cash back at all.
- Monzo Flex, with a rewards type of none, if earning back on spending is not the point.
The company behind it
GetPlu is run by Block Code Ltd, which is based in the United Kingdom and has been trading since 2015. Support runs on help centre and community, so day to day questions go to the help centre and the rest to other users rather than to a phone team. The card, the crypto side and the rewards all sit inside that one company.
How GetPlu compares
- 8.6 vs 8.6
8.6 vs 9.4
8.6 vs 9.4
8.6 vs 9.4
8.6 vs 8.5
8.6 vs 9.4
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8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.8
8.6 vs 9.2
8.6 vs 9.2
8.6 vs 8.7Rewards type is none, so there is nothing to set against GetPlu's 3% cash back.
8.6 vs 9.4
8.6 vs 9.0
8.6 vs 9.0
8.6 vs 8.6
8.6 vs 8.5
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8.6 vs 9.2
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8.6 vs 9.1
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8.6 vs 9.0
8.6 vs 9.0
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8.6 vs 8.8- 8.6 vs 8.8
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8.6 vs 8.4- 8.6 vs 8.0
8.6 vs 8.0
8.6 vs 8.0
8.6 vs 8.0- 8.6 vs 8.0
8.6 vs 9.1
Frequently asked questions
What does GetPlu cost each month?+
The entry tier is priced at €0, and the paid plan charges £6.99 a month. There is no annual charge to add on top, since the pricing model is no annual fee. Cashback of 3% applies to daily purchases on the card, with the top tier kept for the paid plan.
How much cash back can I earn?+
The reward type is cashback, paying 3% on daily purchases, with rewards running 3% to 9% across the loyalty tiers. Merchant perks add further monthly rewards at participating sellers, so the top rate depends on keeping spend going.
What happens when I spend abroad?+
Spending abroad converts at 2.5%, and the account holds 2 currencies. That conversion charge is above the 2% typical of credit cards on this site, so foreign purchases are worth planning around rather than treating as ordinary spending.
Is the card credit or debit?+
Both labels are used: the card kind is credit and the card type is debit, on the visa network. They describe the same product, which matters when you weigh it against cards that charge interest on an unpaid balance.
Can I hold crypto as well as a card?+
The wallet is a mobile app and the crypto sits in self custody, so the assets stay with the owner rather than the platform. Card spending and the crypto holding sit in the same place, which is why the two are often compared together.
What if I do not pay the balance off?+
Cash back stops the moment spending stops, and an unpaid balance is how cards lose money: across the brands on this site the retail loss rate runs 70.15%. The 3% back is a reward for paying in full, so a carried balance works against the account.
Who do I go to for help?+
Support runs on help centre and community, meaning the help centre for day to day questions and other users for the rest. Block Code Ltd is the company behind the account, based in the United Kingdom and trading since 2015.
Sources
- plutus.it checked September 26, 2026
Backs: Card kind, Cashback rate, Features, Headquarters, Legal entity, Pricing model, Perks, Price, Rewards rate, Rewards type, Support channels, Wallet type
“rewards card”
- plutus.it/about checked September 26, 2026
Backs: Founded
“That's why we built Plutus back in 2015.”
- plutus.it/fees checked September 26, 2026
Backs: Currency conversion fee, Top-up fee
“2.2 Point of Sale transaction (Non Domestic)* Starter Everyday Premium 2.5% 2.5% 2.5%”
- plutus.it/legal/terms-and-conditions/eur checked September 26, 2026
Backs: Card type
“The Plutus Card is a debit card that is linked to your Plutus Account that you access either through the App or our Website.”
- plutus.it/money checked September 26, 2026
Backs: Cashback rate, Currencies, Custody, Card network
“Earn a minimum 3% back in rewards, and up to 9% by unlocking higher levels.”
- plutus.it/plans checked September 26, 2026
Backs: Monthly fee
“Starter (GBP/EUR) 6.99 / month*”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR.
GetPlu
Everyday spenders who pay the card off in full and want cash back each month.