Non-custodialUS available
- Cashback
- Not disclosed
- Plan cost
- $0
- Custody
- Non Custodial
- Network
- Visa
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
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02 · Read the shortlist
Start with scores and key trade-offs
Scores, costs and features for your selected cards.
Low FXNo CEX
- Cashback
- 0.5%-2%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Points rewardsNo CEX
- Cashback
- 0% base
- Plan cost
- $20/year
- Custody
- Custodial
- Network
- Visa
Non-custodialMetal card
- Cashback
- 3%-4%
- Plan cost
- $0
- Custody
- Non Custodial
- Network
- Visa
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
Cards
Decaf CardOverall64
XPlace CardOverall68
Solayer Pay CardOverall55
ether.fi Cash CardOverall86
Decaf CardOverall64XPlace CardOverall68Solayer Pay CardOverall55ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- Decaf Card64XPlace Card68Solayer Pay Card55ether.fi Cash Card86
- Cashback score
- Decaf Card29XPlace Card49Solayer Pay Card21ether.fi Cash Card84
- Travel score
- Decaf Card60XPlace Card65Solayer Pay Card53ether.fi Cash Card82
- Funds control score
- Decaf Card63XPlace Card67Solayer Pay Card47ether.fi Cash Card96
- Lowest fees score
- Decaf Card57XPlace Card65Solayer Pay Card43ether.fi Cash Card65
- Transfers score
- Decaf Card70XPlace Card62Solayer Pay Card29ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- Decaf CardApple Pay and Google Pay, No recurring card feeXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solanaether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Decaf CardRegional FX terms need checking, Several costs remain undisclosedXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersSolayer Pay CardPurchases earn Emerald Points, FX costs vary by regionether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- Decaf Card$0XPlace Card$0Solayer Pay Card$20/yearether.fi Cash Card$0
- FX fee
- Decaf Card1–2%XPlace Card0–1%Solayer Pay CardUp to 3% stated + $0.10; components may stackether.fi Cash Card0–0.5%
- Top-up fee
- Decaf CardCard-load fee unknown; parent-account bank deposits have separate chargesXPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesSolayer Pay Card1%ether.fi Cash CardNot disclosed
- Card spending fee
- Decaf CardNot disclosedXPlace Card0%Solayer Pay Card$0.15ether.fi Cash CardNot disclosed
- ATM fee
- Decaf Card0% Decaf markupXPlace CardNot availableSolayer Pay CardNot disclosedether.fi Cash CardNot disclosed
- Virtual card
- Decaf Card$5XPlace CardNot disclosedSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.
- Physical card
- Decaf Card$90 international / $10 USXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99ether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.
Plans
2 fields- Available plans
- Decaf CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, PlatinumSolayer Pay Card1 plans: Solayer Payether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Decaf CardNot disclosedXPlace CardPlatinum: 2%Solayer Pay CardNot disclosedether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- Decaf CardVisaXPlace CardVisaSolayer Pay CardVisaether.fi Cash CardVisa
- Card formats
- Decaf CardVirtual, PhysicalXPlace CardVirtual, PhysicalSolayer Pay CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Decaf CardNot disclosedXPlace CardNot disclosedSolayer Pay CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Decaf CardApple Pay, Google PayXPlace CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Decaf CardiOS, Android, WebXPlace CardiOS, AndroidSolayer Pay CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Decaf CardNot disclosedXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsSolayer Pay CardShown in appether.fi Cash CardEditable 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 spending limit
- Decaf CardNot disclosedXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthSolayer Pay CardShown in appether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Decaf Card$250 per withdrawal; up to 3 withdrawals dailyXPlace CardNot available while only the virtual card is liveSolayer Pay CardLimits shown in appether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.
Funding & transfers
5 fields- Networks
- Decaf CardSolana, StellarXPlace CardSolanaSolayer Pay CardSolanaether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- Decaf CardStablecoins: USDCXPlace CardStablecoins: USDCSolayer Pay CardStablecoins: USDCether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- Decaf CardUSD, EUR and MXN account receiptsXPlace CardNot disclosedSolayer Pay CardNot disclosedether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- Decaf CardParent-account bank withdrawals, MoneyGram cash pickupXPlace CardStablecoin transfersSolayer Pay CardNot disclosedether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- Decaf CardUSD, EUR, MXN, COP, BRL, ARS, VESXPlace CardNot disclosedSolayer Pay CardNot disclosedether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- Decaf CardNot disclosedXPlace Card0.5%Solayer Pay Card0%ether.fi Cash Card3%
- Max cashback
- Decaf CardNot disclosedXPlace Card2%Solayer Pay CardNot disclosedether.fi Cash Card4%
- Reward currency
- Decaf CardNot disclosedXPlace CardUSDCSolayer Pay CardEmerald Pointsether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- Decaf CardNot disclosedXPlace CardUp to 6.15% APYSolayer Pay CardUp to 3.5% APYether.fi Cash CardUp to 5.47% APY
- How it works
- Decaf CardOptional earn vaultXPlace CardBorrow against collateral, Optional earn vaultSolayer Pay CardEarn on spending balanceether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Decaf CardYesXPlace CardYesSolayer Pay CardNoether.fi Cash CardNot disclosed
- Use balance for spending
- Decaf CardNot disclosedXPlace CardNoSolayer Pay CardYesether.fi Cash CardNot disclosed
- Lock-up
- Decaf CardNot disclosedXPlace CardNoSolayer Pay CardNoether.fi Cash CardNot disclosed
Trust & availability
7 fields- Custody
- Decaf CardNon-custodialXPlace CardHybrid custodySolayer Pay CardCustodialether.fi Cash CardNon-custodial
- Control until payment
- Decaf CardNot disclosedXPlace CardProvider controls fundsSolayer Pay CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- Decaf CardThird National, Inc.XPlace CardThird NationalSolayer Pay CardThird Nationalether.fi Cash CardThird National
- Card processing
- Decaf CardRainXPlace CardSignify Holdings, Inc. (Rain)Solayer Pay CardNot disclosedether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Decaf CardMoneyGramXPlace CardNot disclosedSolayer Pay CardNot disclosedether.fi Cash CardSEPA third-party provider
- Identity verification
- Decaf CardNot disclosedXPlace CardSumsubSolayer Pay CardSumsubether.fi Cash CardNot disclosed
- Programme operator
- Decaf CardNot disclosedXPlace CardNot disclosedSolayer Pay CardSolayer Labs, Inc.ether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Decaf Card21XPlace Card27Solayer Pay Card25ether.fi Cash Card37
- Last reviewed
- Decaf CardOct 19, 2026XPlace CardSep 20, 2026Solayer Pay CardAug 12, 2026ether.fi Cash CardOct 6, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.