ether.fiether.fi Cash
87
Side-by-side card comparison
ether.fi Cash vs Binance: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 29 points (87 vs 58). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Binance Card may still be the better personal fit.
Information checked Aug 25, 202631 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Binance Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
Overallether.fi Cash87Binance58Higher score
Cashbackether.fi Cash86Binance37Higher score
Travelether.fi Cash84Binance36Higher score
Funds controlether.fi Cash96Binance47Higher score
Lowest feesether.fi Cash69Binance56Higher score
Transfersether.fi Cash97Binance75Higher score
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
Choose Binance Card if its day-to-day setup suits you
Binance Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ether.fi Cash87Binance58
ether.fi Cash Card has the higher Overall Score by 29 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXBinance$0 plan · 2–3% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 2–3%).
- Purchase rewards
- ether.fi Cash3% cashbackBinance1.5% base · up to 3%
ether.fi Cash Card has the higher published base cashback rate (3% vs 1.5%).
- Funds control
- ether.fi CashNon-custodial accountBinanceCustodial balance
ether.fi Cash Card uses a non-custodial account setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ether.fi CashVirtual + Physical · Apple Pay, Google PayBinanceVirtual · Google Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
Cardsether.fi Cash CardOverall87Binance CardOverall58
ether.fi Cash CardOverall87Binance CardOverall58Scores
6 fields- Overall Score
- ether.fi Cash Card87Binance Card58
- Cashback score
- ether.fi Cash Card86Binance Card37
- Travel score
- ether.fi Cash Card84Binance Card36
- Funds control score
- ether.fi Cash Card96Binance Card47
- Lowest fees score
- ether.fi Cash Card69Binance Card56
- Transfers score
- ether.fi Cash Card97Binance Card75
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Binance Card$0
- FX fee
- ether.fi Cash Card0–0.2%Binance Card2–3%
- Top-up fee
- ether.fi Cash CardNot disclosedBinance CardNot disclosed
- Card spending fee
- ether.fi Cash CardNot disclosedBinance CardNot disclosed
- ATM fee
- ether.fi Cash Card2%Binance CardNot disclosed
- Virtual card
- ether.fi Cash CardUp to 50 free virtual cards by tierBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical cardBinance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPBinance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- ether.fi Cash CardCore: 3%Binance CardTier 3: 3%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaBinance CardMastercard
- Card formats
- ether.fi Cash CardVirtual, PhysicalBinance CardVirtual
- ATM withdrawals
- ether.fi Cash CardAvailableBinance CardNot disclosed
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayBinance CardGoogle Pay
- Apps
- ether.fi Cash CardiOS, Android, WebBinance CardiOS, Android
- Daily spending limit
- ether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayBinance CardShown in app
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planBinance CardShown in app
- ATM limit
- ether.fi Cash Card$250/withdrawal; $750/dayBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismBinance CardNot disclosed
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Binance CardOther crypto: Supported crypto
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveBinance CardBinance account bank deposit
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- ether.fi Cash CardEUR, USDBinance CardNot disclosed
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Binance Card1.5%
- Max cashback
- ether.fi Cash Card3%Binance Card3%
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYBinance CardNot offered
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultBinance CardNot offered
- Separate deposit
- ether.fi Cash CardNot disclosedBinance CardNot offered
- Use balance for spending
- ether.fi Cash CardNot disclosedBinance CardNot offered
- Lock-up
- ether.fi Cash CardNot disclosedBinance CardNot offered
Trust & availability
5 fields- Custody
- ether.fi Cash CardNon-custodialBinance CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlBinance CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalBinance CardImmersve Limited
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerBinance CardNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCBinance CardNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card19Binance Card12
- Last reviewed
- ether.fi Cash CardAug 25, 2026Binance CardAug 5, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 58 for Binance Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 2–3%). ether.fi Cash Card has the higher published base cashback rate (3% vs 1.5%).
Binance Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ether.fi Cash Card uses a non-custodial account setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ether.fi Cash Card and Binance Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Binance Card
05 · Common questions
ether.fi Cash vs Binance FAQ
Is ether.fi Cash or Binance better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 58). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ether.fi Cash or Binance?
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 2–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ether.fi Cash or Binance?
ether.fi Cash Card has the higher published base cashback rate (3% vs 1.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ether.fi Cash and Binance differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ether.fi Cash vs Binance comparison?
The latest information check for these two cards was August 25, 2026, using 31 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.