Main strengths
- Visa spend is paired with cash-account and bank-rail features.
- Liquid USD can be spent directly from the separate Earn balance.
- Membership tiers separate card access, rewards and recurring costs.
Core cardStandard card design
Crypto-backed Visa credit card
ether.fi Cash Card
ether.fi Cash pairs a Visa card with bank rails and optional Liquid vault yield. Direct Pay can spend supported Liquid USD, while Borrow Mode opens collateral-backed card credit from a separate position with its own debt and repayment terms.
Non-custodialMetal cardLow FXTravel focusUS availableETH deposits
Partner link See details
Main trade-offs
- Rates vary, and deposited principal can fall under the selected vault strategy.
- Users need to understand repayment, collateral and card-account mechanics.
- ATM access exists, but the 2% fee can make routine cash expensive.
01 · Core economics
Costs that matter
ether.fi Cash Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in its current funding instructions.
Provider FX markup0–0.2%Compare the FX fee with the cashback rate before using it abroad.
ATM withdrawal2%Fixed and percentage fees make routine cash use expensive.
Physical card$50 or freeDepends on tier
Extra virtual cardCore: $10 each; Luxe: $10 each; Pinnacle: $10 eachAllowance: Up to 50 free virtual cards by tier
Limits and secondary feesLimits and other fees
Daily card spend$100,000/dayListed
Monthly card spendNot disclosedListed
ATM limit$750/24hListed
Account depositNot disclosedListed
02 · Plans & rewards
Choose the plan and the rewards together
ether.fi Cash Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest current purchase reward rate
Same as the current base rate
USD cashback paid in USDC
Highest current full-rate threshold; spend above it earns 1%
Memberships
1-3 / 4
Best default
$0/yrCore
Visa Signature / Core
- Cashback
- 3% in USDC
- Full-rate spend
- $2,000 / month; then 1%
- Virtual cards
- 1 free virtual card; maximum 5; additional virtual card $10
- Physical card
- $50 including card and shipping; 0 free, maximum 1
- FX
- 0% - 0.2%
- Requirement
- Not listed
- Transfer allowance
- Not listed
- Best fit
- Entry tier for most users
Upgrade
10K pts/morequirementLuxe
Visa Signature / Luxe
- Cashback
- 3% in USDC
- Full-rate spend
- $10,000 / month; then 1%
- Virtual cards
- 4 free virtual cards; maximum 10; additional virtual card $10
- Physical card
- 1 free physical card; maximum 2; additional physical card $100
- FX
- 0% - 0.1%
- Requirement
- 10K Membership points/mo or 15K ETHFI
- Transfer allowance
- $50,000/mo
- Best fit
- Upgrade tier; compare point requirements with fiat-rail perks
Upgrade
50K pts/morequirementPinnacle
Visa Signature / Pinnacle
- Cashback
- 3% in USDC
- Full-rate spend
- $50,000 / month; then 1%
- Virtual cards
- 10 free virtual cards; maximum 50; additional virtual card $10
- Physical card
- 2 free physical cards; maximum 4; additional physical card $100
- FX
- 0%
- Requirement
- 50K Membership points/mo or 100K ETHFI
- Transfer allowance
- $200,000/mo
- Best fit
- High-activity tier for larger spend and transfers
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsAvailable
- Card-funded top-upsNot confirmed
04 · Money in and out
How money enters, settles and leaves ether.fi
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsDeposited into the ether.fi Cash Vault on Optimism; eligible stablecoin balances can support Direct Pay or Borrow Mode collateral · Deposited into the ether.fi Cash Vault as an asset or collateral balance; it is not automatically converted to USDUSDCUSDTEURCfrxUSD19 assetsFeeNot confirmedSpeedNot confirmedLimitsVault and app limits are not separately confirmed on the collateral pageAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
More assets, currencies or networks
LiquidUSD, beHYPE, eBTC, ETHFI, eUSD, LiquidBTC, LiquidETH, LiquidEUR, LiquidReserve, LiquidRWA, OP, sETHFI, weETH, wETH, wHYPE, Optimism
Access path
Via connected wallet
Asset / network map
USDC: Optimism · USDT: Optimism · EURC: Optimism · frxUSD: Optimism · LiquidUSD: Optimism · beHYPE: Optimism · eBTC: Optimism · ETHFI: Optimism · eUSD: Optimism · LiquidBTC: Optimism · LiquidETH: Optimism · LiquidEUR: Optimism · LiquidReserve: Optimism · LiquidRWA: Optimism · OP: Optimism · sETHFI: Optimism · weETH: Optimism · wETH: Optimism · wHYPE: Optimism
Availability
Supported asset and network combinations
Account setup
wallet
Restrictions
Approved collateral/deposit evidence confirms the Optimism asset contract; the app receive screen remains final for current deposit availability. · Approved collateral evidence confirms deposit support on Optimism. Direct Pay eligibility differs by asset; non-stable assets primarily support Borrow Mode collateral unless separately confirmed as spendable.
Bank deposits
2 routes
USD ACH / FedWire receiveMinimum USD 2.USDFee0.2%Speed1–2 business daysLimitsMinimum USD 2.AvailabilityConfirmed scopeDetails
Fee components
- 0.2% · transfer
Access path
Via connected wallet
Availability
Minimum USD 2. Requires a US bank account and third-party provider approval; SWIFT to ACH/FedWire details is rejected.
Limit scope
Minimum USD 2. Requires a U.S. bank account and third-party provider approval; SWIFT to ACH/FedWire details is rejected.
EUR SEPA receiveMinimum EUR 2.EURFee0.15–0.2%SpeedVaries by railLimitsMinimum EUR 2.AvailabilityRegion-dependentDetails
Fee components
- 0.15% · processing / FX
- 0.2% · transfer
Access path
Via connected wallet
Availability
Minimum EUR 2. Own bank account only; country and provider checks apply.
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
Optimism asset transfersTreat as vault/collateral transfer context until the current app send screen confirms outbound coverage.USDCUSDTEURCfrxUSDLiquidUSD+1FeeNot confirmedSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
More assets, currencies or networks
Optimism
Access path
Via connected wallet
Asset / network map
USDC: Optimism · USDT: Optimism · EURC: Optimism · frxUSD: Optimism · LiquidUSD: Optimism
Fee scope
Provider withdrawal fee not disclosed
Account setup
wallet
Restrictions
Treat as vault/collateral transfer context until the current app send screen confirms outbound coverage.
Bank transfers & payouts
2 routes
EUR SEPA payoutSEPA payout is separate from SEPA receive; own-account, country and provider checks apply.EURFee0.2–0.5%Speed1–2 business daysLimitsMinimum EUR 2; 2 transfers per 24hExternal cost0.04% networkDetails
Fee components
- 0.2% · transfer
- 0.5% · processing / FX
- 0.04% · network
Access path
Via connected wallet
Availability
Own EUR bank account via SEPA where available
Restrictions
SEPA payout is separate from SEPA receive; own-account, country and provider checks apply.
USD ACH / FedWire payoutACH/FedWire withdrawals require a US bank account and third-party provider approval; SWIFT sent to ACH/FedWire account details is rejected.USDFee0.2%Speed1–2 business daysLimitsMinimum USD 2; 2 transfers per 24h; monthly limits vary by membership tierAvailabilityRegion-dependentDetails
Fee components
- 0.2% · transfer
Access path
Via connected wallet
Availability
Own US bank account where available
Restrictions
ACH/FedWire withdrawals require a US bank account and third-party provider approval; SWIFT sent to ACH/FedWire account details is rejected.
05 · Credit & yield
Collateral assets earn yield and back spending
Some yield positions can also be part of card credit or borrow-against-collateral mechanics. Treat this differently from a simple spendable balance.
Spendable yield
Liquid USD vault
Up to 5.0% APY
Collateral credit
Liquid ETH Yield vault
Up to 3.8% APY
Collateral credit
Liquid BTC Yield vault
Up to 2% APY
Optional yield
Liquid Reserve vault
Up to 4.8% APY
Mixed yield
Cash Lend
Variable rate
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where ether.fi is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
- Explicit restrictions
- 20 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Countries listed as regional guidance1 country
United States
Explicit restriction list20 countries
BelarusCanadaChinaCubaEstoniaFinlandHungaryIndiaIraqIsraelMoroccoNepalNetherlandsNorth KoreaRussiaSyriaTurkeyUkraineVenezuelaVietnam
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productether.fi
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Non-custodial accountProgramme operatorether.fi
Operates the applicable card programme.
Deposits & withdrawalsSEPA third-party provider
Supports deposit, withdrawal or conversion rails.
Programme operatorEther.Fi SEZC
Provides the ether.fi platform and access to Cash; it does not act as the card issuer.
Jurisdiction: Cayman Islands · Applies to: ether.fi platform and Cash access, subject to regional cardholder agreements.Card issuerThird National
Issues the ether.fi Card under a Visa licence and handles card issuer responsibilities.
Applies to: Current ether.fi Cash programme described in the captured terms; US and international agreements remain separate.07 · Methodology
Why the score is 87
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
87/100
StrongHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support92
Custody & control
Non-custodial; funds remain user-controlled before payment.
Main constraint68
Cost efficiency
No monthly fee and 0.2% FX fee shape the day-to-day cost profile.
08 · Evidence
Sources
19 sources19 officialChecked Aug 25, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Where is ether.fi Cash currently unavailable?Official source ↗ether.fi Cash — the basics of borrowingOfficial source ↗ether.fi Terms of Use — restricted jurisdictionsOfficial source ↗ether.fi Cash KYC processOfficial source ↗The DeFi-Native Crypto Credit Card | Spend & Earn Cashback with Cash | ether.fiOfficial source ↗etherfi.gitbook.ioOfficial source ↗
09 · Card comparison
How ether.fi Cash Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
ether.fi Cash Card
Visa spend is paired with cash-account and bank-rail features.
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Non-custodial account
- Cashback
- 3%
- FX fee
- 0%–0.2%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC, USDT, EURC +3
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 0%
- FX fee
- 1.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1.5%–6%
- FX fee
- 0% Tria markup; issuer-programme FX fee up to 3%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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