Plutus Crypto Cashback: An Overview and My Monthly Lab Update
Hey, I’m Marcel, and welcome to MarsBlock Money Lab – where I test passive income ideas so you don’t have to guess. Today, I’m diving into Plutus, a debit card that’s been turning my everyday spending into crypto cashback since March 2023 – two years strong. It’s my first blog post, so let’s unpack what Plutus offers – its plans, reward levels, and those juicy perks – plus where my account’s at today.
How It Works: Plans & Cashback
Plutus, a London-based fintech company shaking up the crypto cashback game since its start in 2015. Founded by Danial Daychopan, Plutus blends traditional fiat with cryptocurrency, rewarding users with Pluton (PLU) via a Visa debit card – pretty groundbreaking stuff!
Plutus earns you Pluton (PLU) just by spending – 3% back anywhere Visa works (UK & EU only), with three plans to start:
- Starter (£6.99/month) gives 3% on £250 spending and 1 perk;
- Everyday (£9.99/month) ups it to £500 with 2 perks;
- Premium (£19.99/month) hits £1,000 with 3 – I’m on this one.
Reward Levels: Stack PLU, Unlock More
Stack PLU for reward levels: Noob (1 PLU, 3%), Researcher (100 PLU, 3%), Explorer (200 PLU, 3%), Hero (2,000 PLU, 4% + 4 perks) up to Honey Badger (40,000 PLU, 9% + 9 perks).
Since 20th February 2025, Plutus tweaked things – internal PLU earned in-app don’t count toward levels until withdrawn to your external wallet – good to know!
Perks
Perks are the goldmine – up to £10 back per perk monthly at 50+ brands like Netflix, Uber, Sainsbury’s or Amazon (see Plutus’ site for details). Mine hit £50 each since June 2024’s metal card promo. Pick 1-3 at sign-up to offset your plan – Starter gets 1 perk, Everyday 2, Premium 3 – then stack or collect PLU for new levels to unlock more perks, up to 9 depending on your reward level (see table above) – I’ve got 7 humming in-app at Hero. Also you can stack them (only once per perk).
My Lab Results
Since March 2023, I’ve earned 2,341 PLU – £1,718 at $0.9291/PLU ($1 = £0.79) as of this writing (March 1, 2025). Last month, February 2025, I pulled in 323 PLU – thanks to 7 perks (£50 each) and 4% cashback on every other transaction, while locked rewards grow (45-day wait). Crypto swings test patience, but it’s a lab win watching PLU climb.
Join the Fun?
Sign up with my Golden Ticket link – deposit £10+, and we both grab £50 or €50 in PLU, depending on your region. Monthly updates coming – stay tuned! Follow me on X @MarsBlockLab
*Disclaimer: I’m not a financial adviser. Plutus involves crypto risks – results vary, so research before diving in. This is my lab log!*
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