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.
Partner link See details
Main trade-offs
- Rates vary, and deposited principal can fall under the selected vault strategy.
- Variable-rate borrowing has no grace period and carries liquidation risk.
- Current Core/Luxe fees are unconfirmed; ATM operator charges may apply.
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 markup0–0.5%Added provider margin; EUR-settled purchases have 0% markup in beta. Base FX and DCC are separate.
Physical card$60 or freeComparison lists Core at $60 including shipping; separate issuance is not itemized.
Limits and secondary feesLimits and other fees
ItemValueWhat it means
ATM withdrawalNot confirmedNot confirmed
Daily card spendNot disclosedEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.
Monthly card spendNot disclosedMonthly program cap shown in app; cashback caps are tiered separately
ATM limit$5,000/24hCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.
Account depositNot disclosedUnknown
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.
Starting rate on the first Core/Luxe/Pinnacle band, not the minimum rate on all eligible spend. Later USD bands pay 1%, then 0.5%; EUR bands pay 1%, then 0.1%.
Conditional: not the automatic rate
Calculated in USD at authorization and converted at the ETHFI price when the purchase clears. Manual claim after a 7-day hold once unlocked cashback reaches $5; token price can change its USD value.
Standard and EUR thresholds share one monthly counter. Later rates are 1%, then 0.5% for USD or 0.1% for EUR; VIP later rates are unconfirmed.
Memberships
1,000 Membership points per $1,000 of eligible Cash spend. These points help qualify for membership levels and are separate from card cashback.
1-3 / 4
Best default
$0/yrCore
Visa Signature / Core
- Cashback
- 3% in ETHFI
- Full-rate spend
- $2,000 / month; then 1%
- Requirement
- Free for everyone
- Virtual cards
- 1 virtual card; regional $10 first-card fee
- Further bands
- USD 3% to $2,000, 1% to $3,000, then 0.5%; EUR purchases use $800/$1,500 USD-equivalent thresholds and 0.1% after the second band; one shared monthly counter
- ATM terms
- Current numeric ATM provider fee is unconfirmed.
- Physical card
- Comparison: $60 including shipping
- FX
- 0–0.5% provider FX margin; EUR-settled purchases: 0% markup in beta.
- Selected subscriptions
- Not listed
- Eligible services
- Not listed
- Monthly category cap
- Not listed
- Best fit
- Entry tier for most users
Upgrade
5K points, a $15K Liq...requirementLuxe
Visa Signature / Luxe
- Cashback
- 3% in ETHFI
- Full-rate spend
- $10,000 / month; then 1%
- Requirement
- 5K points, a $15K Liquid deposit or 30K ETHFI staked; optional $199/year fast-track
- Virtual cards
- Comparison: 2 free; help: 4
- Further bands
- USD 3% to $10,000, 1% to $20,000, then 0.5%; EUR purchases use $3,000/$6,000 USD-equivalent thresholds and 0.1% after the second band; one shared monthly counter
- ATM terms
- Current numeric ATM provider fee is unconfirmed.
- Physical card
- 1 free physical card
- FX
- 0–0.25% provider FX margin; EUR-settled purchases: 0% markup in beta.
- Selected subscriptions
- 10% · Select one eligible subscription category in the app. Category can change once every 30 days. App-store-billed or bundled subscriptions do not qualify.
- Eligible services
- Eligible services are shown in app and can change
- Monthly category cap
- $10 total bonus cashback / month
- Best fit
- Upgrade tier; compare point requirements with fiat-rail perks
Upgrade
25K points, a $100K L...requirementPinnacle
Visa Signature / Pinnacle
- Cashback
- 3% in ETHFI
- Full-rate spend
- $50,000 / month; then 1%
- Requirement
- 25K points, a $100K Liquid deposit or 150K ETHFI staked; optional $999/year fast-track
- Virtual cards
- 10 free virtual cards
- Further bands
- USD 3% to $50,000, 1% to $80,000, then 0.5%; EUR purchases use $16,000/$26,000 USD-equivalent thresholds and 0.1% after the second band; one shared monthly counter
- ATM terms
- 10 free ATM withdrawals/month; later provider fees and operator charges are not confirmed as waived.
- Physical card
- Comparison: 1 free with express shipping; help: 2 free
- FX
- No added provider FX margin; base FX is separate. EUR-settled purchases: 0% markup in beta.
- Selected subscriptions
- 20% · Select one eligible subscription category in the app. Category can change once every 30 days. App-store-billed or bundled subscriptions do not qualify.
- Eligible services
- Eligible services are shown in app and can change
- Monthly category cap
- $20 total bonus cashback / month
- 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
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves ether.fi
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive15 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 USDEURCfrxUSDLiquidUSDbeHYPE18 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
eBTC, ETHFI, LiquidBTC, LiquidETH, LiquidEUR, LiquidReserve, LiquidRWA, OP, sETHFI, weETH, wETH, wHYPE, USDC, USDT, Optimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain, Celo, Gnosis, Katana, Mantle, Polygon, Tempo, Solana, Kaia, Plasma, Tron
Access path
Via connected wallet
Asset / network map
EURC: Optimism · frxUSD: Optimism · LiquidUSD: Optimism · beHYPE: Optimism · eBTC: Optimism · ETHFI: Optimism · LiquidBTC: Optimism · LiquidETH: Optimism · LiquidEUR: Optimism · LiquidReserve: Optimism · LiquidRWA: Optimism · OP: Optimism · sETHFI: Optimism · weETH: Optimism · wETH: Optimism · wHYPE: Optimism · USDC: Ethereum, Optimism, Arbitrum, Base, HyperEVM, BNB Smart Chain, Celo, Gnosis +5 · USDT: Ethereum, Optimism, HyperEVM, Arbitrum, Base, BNB Smart Chain, Celo, Gnosis +8
Availability
Supported asset and network combinations
Account setup
wallet
Restrictions
Deposit routes are separate from Direct Pay and collateral eligibility. Main Vault and provider addresses differ; use the token/network address displayed in the app. eUSD no longer accepts new supplies.
Bank deposits
13 routes
USD ACHThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.USDFee$0.5 + 0.1%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- $0.5 · transfer
- 0.1% · transfer
Access path
Via provider account
Availability
USD transfers with a supported US bank account. ACH/Fedwire details cannot receive SWIFT.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
USD FedwireThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.USDFee$20 + 0.1%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- $20 · transfer
- 0.1% · transfer
Access path
Via provider account
Availability
USD transfers with a supported US bank account. ACH/Fedwire details cannot receive SWIFT.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
EUR SEPAThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.EURFee€0.9 + 0.15%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- €0.9 · transfer
- 0.15% · conversion
Access path
Via provider account
Availability
SEPA eligibility and account/compliance requirements apply. Current article variants disagree on third-party transfers; verify account requirements in the app.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
USD SWIFTThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.USDFee$20 + 0.1%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- $20 · transfer
- 0.1% · transfer
Access path
Via provider account
Availability
Non-US residents using a non-US bank account; use separate SWIFT details.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
GBP FPSThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.GBPFee£0.9 + 0.2%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- £0.9 · transfer
- 0.2% · conversion
Access path
Via provider account
Availability
Eligible UK GBP account routes only.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
BRL PIXThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.BRLFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
MXN SPEIThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.MXNFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
COP BREBThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.COPFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
AED FTSThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.AEDFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
CAD Interac e-TransferThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.CADFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
ARS Lemon / Bank TransferThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.ARSFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
AUD Australian Bank TransferThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.AUDFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
JPY JPYC TransferThe Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.JPYFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply; currency support does not establish card signup eligibility.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
Card & app top-ups
1 route
USD Cash App (US only) / Apple Pay (US only) / Debit Card via Stripe (US only)The Cash account route funds or withdraws account balances; it is not a direct card top-up or card payout.USDFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Stripe debit card, Cash App and Apple Pay funding are US-only account routes.
Fee scope
Current provider fee not confirmed; use the app quote.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Deposit routes are separate from Direct Pay and collateral eligibility.
Money outWays to send, withdraw or settle7 routes
External crypto sends
1 route
Vault crypto withdrawalsEthereum and Base withdrawals may take up to an hour.USDCUSDTEURCfrxUSDLiquidUSD+3FeeNot confirmedSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
More assets, currencies or networks
Optimism, Ethereum, Base
Access path
Via connected wallet
Asset / network map
USDC: Optimism, Ethereum, Base · USDT: Optimism · EURC: Optimism, Ethereum · frxUSD: Optimism, Ethereum · LiquidUSD: Optimism, Ethereum
Availability
Optimism; Ethereum for supported Vault assets except SCR, USDT, ETHFI and WETH; Base for USDC and weETH.
Fee scope
Provider withdrawal fee not disclosed
Account setup
wallet
Restrictions
Ethereum and Base withdrawals may take up to an hour.
Bank transfers & payouts
6 routes
USD ACHUse the bank details and quote for the selected route.USDFee$0.5 + 0.2%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- $0.5 · transfer
- 0.2% · transfer
Access path
Via provider account
Availability
USD transfers with a supported US bank account. ACH/Fedwire details cannot receive SWIFT.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
USD FedwireUse the bank details and quote for the selected route.USDFee$20 + 0.2%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- $20 · transfer
- 0.2% · transfer
Access path
Via provider account
Availability
USD transfers with a supported US bank account. ACH/Fedwire details cannot receive SWIFT.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
EUR SEPAUse the bank details and quote for the selected route.EURFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
SEPA eligibility and account/compliance requirements apply. Current article variants disagree on third-party transfers; verify account requirements in the app.
Fee scope
EUR 0.90 + applicable FX; the selected route quote applies.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
USD SWIFTUse the bank details and quote for the selected route.USDFee$20 + 0.12%SpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- $20 · transfer
- 0.12% · transfer
Access path
Via provider account
Availability
Non-US residents using a non-US bank account; use separate SWIFT details.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
GBP FPSUse the bank details and quote for the selected route.GBPFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.AvailabilityRegion-dependentDetails
Fee components
- Provider quote
Access path
Via provider account
Availability
Regional and verification requirements apply.
Fee scope
Quoted in app; FX and weekend conditions may vary.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
Additional account payoutsUse the bank details and quote for the selected route.AEDAUDBRLCAD28 currenciesFeeNot confirmedSpeedVaries by railLimitsProvider and account-specific limits are shown in the app; no universal minimum or tier limit is confirmed.Availability28 payout currenciesDetails
Fee components
- Provider quote
More assets, currencies or networks
CHF, CLP, CNY, COP, EGP, GBP, HKD, HNL, IDR, ILS, INR, JPY, KRW, MXN, MYR, NGN, NOK, PHP, PKR, PLN, SAR, SGD, UGX, VND
Access path
Via provider account
Availability
Regional and verification requirements apply.
Fee scope
Provider and FX fees are quoted per route; numeric fees remain unconfirmed.
Restrictions
Use the bank details and quote for the selected route. Account eligibility, compliance checks and card eligibility are separate.
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
5.5% variable APY · Oct 6, 2026
Collateral credit
Liquid ETH Yield vault
3.2% variable APY · Oct 6, 2026
Collateral credit
Liquid BTC Yield vault
1.2% variable APY · Oct 6, 2026
Optional yield
Liquid Reserve vault
APY not confirmed
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
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed90 countries
AndorraAngolaAntigua and BarbudaArgentinaAustraliaAustriaBahamasBahrainBangladeshBarbadosBelgiumBelizeBoliviaBrazilBulgariaCayman IslandsChileColombiaCosta RicaCroatiaCyprusCzechiaDenmarkDominicaDominican RepublicEcuadorEl SalvadorFranceGermanyGibraltarGreeceGuatemalaGuernseyGuyanaHondurasHong KongHungaryIcelandIndonesiaIrelandIsle of ManItalyJapanJerseyLatviaLiechtensteinLithuaniaLuxembourgMalaysiaMaldivesMaltaMexicoMonacoNew ZealandNigeriaNorwayOmanPalauPanamaParaguayPeruPhilippinesPolandPortugalPuerto RicoRomaniaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSaudi ArabiaSeychellesSingaporeSlovakiaSloveniaSouth AfricaSouth KoreaSpainSurinameSwedenSwitzerlandTaiwanThailandTrinidad and TobagoTurks and Caicos IslandsUnited Arab EmiratesUnited KingdomUnited StatesUruguayVanuatuVirgin Islands, British
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 86
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.
86/100
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 constraint65
Cost efficiency
No monthly fee and 0.5% FX fee shape the day-to-day cost profile.
08 · Offers & news
Latest from ether.fi Cash Card
Bonuses, promotions and product updates for ether.fi Cash Card.
News
ether.fi recalculates September Membership points from Cash spending
From September 15, eligible Cash Card spend earns 1,000 Membership points per $1,000. ether.fi applied the rate to earlier September spend, so some displayed monthly point totals fell.
News
ether.fi adds capped Category Cashback to selected subscriptions
Luxe, Pinnacle and VIP can choose one eligible subscription category for an additional 10%, 20% or 30% back, capped at $10, $20 or $30 a month. The bonus covers named services, not every purchase in a broad category.
News
ether.fi adds a native Bitcoin collateral route to Cash
Eligible users can send native BTC to ether.fi, borrow against it and use the resulting liquidity for card spending or transfers without selling the BTC position.
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%–4%
- FX fee
- Core 0–0.5% · Luxe 0–0.25% · Pinnacle/VIP no added provider margin. EUR-settled purchases have 0% provider markup in beta; base FX and DCC are separate.
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC, USDT, EURC +2
- 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
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 3%–5%
- FX fee
- EUR/Wirex: 0% with sufficient EURC or eligible soUSD Credit mode. Other purchases: provider 1% + Solid 1%/0.5%/0% by tier (2%/1.5%/1% total)
- Apps
- iOS, Android, Web app
- Stablecoin set
- soUSD, USDC, USDT +1
- Transfers & payouts
- Crypto, Bank + Other transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
Sources
37 sources37 officialChecked Oct 6, 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
ether.fi what are the transaction limits and fees for personal cash credit cardsOfficial source ↗ether.fi what s the fx markup on cash transactionsOfficial source ↗ether.fi eur purchases 0 fx rateOfficial source ↗ether.fi what are the transaction limits for different merchant category codes mccsOfficial source ↗ether.fi membership level benefitsOfficial source ↗ether.fi managing your card and vault limitsOfficial source ↗
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.