Why it stands out
- Visa spend is paired with cash-account and bank-rail features.
- Liquid USD is modeled as spendable from the Earn balance.
- Membership tiers separate card access, rewards and recurring costs.
Core cardStandard card design
Crypto-backed Visa credit card
ether.fi Cash Card
A Visa Cash card tied to ether.fi Cash, combining card spend, bank rails and optional Liquid vault yield. Strong if you want DeFi-native cash management; important trade-offs are credit mechanics, ATM fees and vault risk.
High cashbackNon-custodialMetal cardLow FXTravel focusETH deposits
available information says availability is region-dependent.
Main trade-offs
- Liquid vaults add strategy, liquidity, custody and protocol exposure.
- 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 is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-upNot disclosedThe provider does not publish a general top-up fee in the reviewed funding instructions.
Foreign exchange0–0.2%Compare the FX fee with the cashback rate before using it abroad.
ATM withdrawal2%Fixed and percentage fees make routine cash use expensive.
Physical cardFree or $40 refundable depositRefundable deposit, not a usage fee
Limits and secondary feesLimits and other fees
Daily card spendCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayListed
Monthly card spendMonthly program cap shown in app; cashback caps are tiered separatelyListed
ATM limit$250/withdrawal; $750/dayListed
Account depositUnknownListed
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 approved purchase reward rate
Same as the approved base rate
USD cashback paid in USDC
Highest approved tier cap
Memberships
Best default
$0/yrCore
Visa Signature / Core
- Cashback
- 3% in USDC on first $2,000/mo
- Virtual cards
- 3 virtual cards
- Physical card
- Plastic card; $40 refundable deposit
- FX
- 0% - 0.2%
- Requirement
- —
- Transfer allowance
- —
- Best fit
- Entry tier for most users
Upgrade
10K pts/morequirementLuxe
Visa Signature / Luxe
- Cashback
- 3% in USDC on first $10,000/mo
- Virtual cards
- 5 virtual cards
- Physical card
- Metal physical card
- 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 on first $50,000/mo
- Virtual cards
- 10 virtual cards
- Physical card
- Metal physical cards
- 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
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
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 receive · 3 routesCrypto depositsUSDCUSDTEURCfrxUSD19 assetsBank depositsACHFedwireSEPAUSDEUR
Crypto deposits
1 route
Crypto deposits
Received as supported stablecoin or converted to USD balance according to card account settings · Auto-converted into stablecoin/USD balance on receipt
USDCUSDTEURCfrxUSD19 assets
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 0% · transfer
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
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
Supported receive and outbound networks for this stablecoin. · Receive-only crypto deposit. The asset is converted after it reaches the card app.
Bank deposits
2 routes
USD ACH / FedWire receive
Minimum USD 2.
USD
- Fee
- 0.2%
- Speed
- 1–2 business days
- Limits
- Minimum USD 2.
- Availability
- Confirmed scope
Route details
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 receive
Minimum EUR 2.
EUR
- Fee
- 0.15–0.2%
- Speed
- Varies by rail
- Limits
- Minimum EUR 2.
- Availability
- Region-dependent
Route details
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
Supported stablecoins follow the account credit settings. 12 mapped receive-only non-stable assets are auto-converted into the stablecoin/USD balance on receipt.
Money outWays to send, withdraw or settle · 3 routesExternal crypto sendsUSDCUSDTEURCfrxUSDLiquidUSD1 networkBank transfers & payoutsSEPALocal bankACHFedwireEURUSD
External crypto sends
1 route
Optimism asset transfers
Treat as vault/collateral transfer context until the current app send screen confirms outbound coverage.
USDCUSDTEURCfrxUSDLiquidUSD+1
- Fee
- Not confirmed
- Speed
- Network-dependent
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
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 payout
SEPA payout is separate from SEPA receive; own-account, country and provider checks apply.
EUR
- Fee
- 0.2–0.5%
- Speed
- 1–2 business days
- Limits
- Minimum EUR 2; 2 transfers per 24h
- Availability
- SEPA
Route details
Fee components
- 0.2% · transfer
- 0.5% · processing / FX
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 payout
ACH/FedWire withdrawals require a US bank account and third-party provider approval; SWIFT sent to ACH/FedWire account details is rejected.
USD
- Fee
- 0.2%
- Speed
- 1–2 business days
- Limits
- Minimum USD 2; 2 transfers per 24h; monthly limits vary by membership tier
- Availability
- Region-dependent
Route details
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
Risk noteDisplayed APY is not cashback. Borrowing costs, collateral health and liquidation risk depend on the provider and active product path.
06 · Trust and eligibility
Where ether.fi is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
The profile lists known restrictions rather than a complete allowed-country list.
Known restrictions20 countries
BangladeshBelarusChinaCubaEstoniaFinlandHungaryIndiaIraqIsraelNepalNetherlandsNorth KoreaPhilippinesRussiaSyriaTurkeyUkraineVenezuelaVietnam
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productether.fi
Public-facing product and account experience; legal operators are listed separately when confirmed.
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 78
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
78/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support84
Custody & control
Non-custodial; funds remain user-controlled before payment.
Main constraint69
Cost efficiency
No monthly fee and 0.2% FX fee shape the day-to-day cost profile.
08 · Evidence
Sources
30 sources22 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
The DeFi-Native Crypto Credit Card | Spend & Earn Cashback with Cash | ether.fiOfficial source ↗etherfi.gitbook.ioOfficial source ↗Terms of Use | ether.fiOfficial source ↗ether.fi Cash Cardholder Agreement - Inc. (International) | ether.fiOfficial source ↗What are the transaction limits and fees for personal Cash credit cards? | ether.fi Help CenterOfficial source ↗Managing your card and vault limits | ether.fi Help CenterOfficial source ↗
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