ether.fiether.fi Cash
87
Side-by-side card comparison
ether.fi Cash vs Coca: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 17 points (87 vs 70). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coca 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. Coca 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 Cash87Coca70Higher score
Cashbackether.fi Cash86Coca43Higher score
Travelether.fi Cash84Coca82Higher score
Funds controlether.fi Cash96Coca85Higher score
Lowest feesether.fi Cash69Coca63Higher score
Transfersether.fi Cash97Coca87Higher 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 Coca Card if its day-to-day setup suits you
Coca 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
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 Cash87Coca70
ether.fi Cash Card has the higher Overall Score by 17 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXCoca$0 plan · 0% on direct pairs FX
Coca Card has the lower published FX fee (0% on direct pairs vs 0–0.2%).
- Purchase rewards
- ether.fi Cash3% cashbackCoca1% base · up to 8%
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- ether.fi CashNon-custodial accountCocaSelf-controlled wallet
ether.fi Cash Card uses a non-custodial account setup, while Coca Card uses a self-controlled wallet 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 PayCocaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutCoca3 stablecoins · Stablecoin transfers; IBAN / bank transfers
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%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 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 CardOverall87Coca CardOverall70
ether.fi Cash CardOverall87Coca CardOverall70Scores
6 fields- Overall Score
- ether.fi Cash Card87Coca Card70
- Cashback score
- ether.fi Cash Card86Coca Card43
- Travel score
- ether.fi Cash Card84Coca Card82
- Funds control score
- ether.fi Cash Card96Coca Card85
- Lowest fees score
- ether.fi Cash Card69Coca Card63
- Transfers score
- ether.fi Cash Card97Coca Card87
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet access
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardCoca CardBest cashback needs COCA tier rules, ATM is free only up to allowance
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Coca Card$0
- FX fee
- ether.fi Cash Card0–0.2%Coca Card0% on direct pairs
- Top-up fee
- ether.fi Cash CardNot disclosedCoca CardNot disclosed
- Card spending fee
- ether.fi Cash CardNot disclosedCoca CardNot disclosed
- ATM fee
- ether.fi Cash Card2%Coca Card0–2%
- Virtual card
- ether.fi Cash CardUp to 50 free virtual cards by tierCoca CardVirtual card free for all tiers
- Physical card
- ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical cardCoca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/Elite
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPCoca Card6 plans: Starter, Standard, Standard+, Premium +2
- Top cashback plan
- ether.fi Cash CardCore: 3%Coca CardElite: 8%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaCoca CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalCoca CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableCoca CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayCoca CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebCoca CardiOS, Android
- Daily spending limit
- ether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayCoca Card30,000 EUR/day; 30,000 EUR/transaction
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planCoca Card30,000 EUR/month
- ATM limit
- ether.fi Cash Card$250/withdrawal; $750/dayCoca Card850 EUR/day; 5,000 EUR/month
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismCoca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Coca CardStablecoins: USDT, USDC, EURC, EURS
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveCoca CardEUR IBAN receive
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutCoca CardStablecoin transfers; IBAN / bank transfers
- Payout currencies
- ether.fi Cash CardEUR, USDCoca CardEUR, USD where available
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Coca Card1%
- Max cashback
- ether.fi Cash Card3%Coca Card8%
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCCoca CardStablecoins such as USDC or EURC cashback
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYCoca CardUp to 5% APY
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultCoca CardEarn on spending balance
- Separate deposit
- ether.fi Cash CardNot disclosedCoca CardNo
- Use balance for spending
- ether.fi Cash CardNot disclosedCoca CardYes
- Lock-up
- ether.fi Cash CardNot disclosedCoca CardNo
Trust & availability
5 fields- Custody
- ether.fi Cash CardNon-custodialCoca CardSelf-custody
- Control until payment
- ether.fi Cash CardYou keep controlCoca CardYou keep control
- Card issuer
- ether.fi Cash CardThird NationalCoca CardNot disclosed
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerCoca CardNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCCoca CardCOCA / CCA LABS
Sources
2 fields- Official sources
- ether.fi Cash Card19Coca Card12
- Last reviewed
- ether.fi Cash CardAug 25, 2026Coca 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 70 for Coca Card. Coca Card has the lower published FX fee (0% on direct pairs vs 0–0.2%). ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
Coca 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 Coca Card uses a self-controlled wallet 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 Coca Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Coca Card
05 · Common questions
ether.fi Cash vs Coca FAQ
Is ether.fi Cash or Coca better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 70). 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 Coca?
Coca Card has the lower published FX fee (0% on direct pairs vs 0–0.2%). 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 Coca?
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%). 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 Coca differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Coca Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ether.fi Cash vs Coca 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.