ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Coinbase: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 22 points (86 vs 64). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase Card may still be the better personal fit.
Information checked Oct 6, 202659 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. Coinbase 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 Cash86Coinbase64Higher score
Cashbackether.fi Cash84Coinbase36Higher score
Travelether.fi Cash82Coinbase61Higher score
Funds controlether.fi Cash96Coinbase48Higher score
Lowest feesether.fi Cash65Coinbase55Higher score
Transfersether.fi Cash100Coinbase84Higher 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 Coinbase Card if its day-to-day setup suits you
Coinbase 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
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 Cash86Coinbase64
ether.fi Cash Card has the higher Overall Score by 22 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.5% FXCoinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ether.fi Cash3% base · up to 4%CoinbaseNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- ether.fi CashNon-custodial accountCoinbaseCustodial balance
ether.fi Cash Card uses a non-custodial account setup, while Coinbase 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 PayCoinbaseVirtual + Physical · Unknown
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Coinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 4).
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%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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 CardOverall86Coinbase CardOverall64
ether.fi Cash CardOverall86Coinbase CardOverall64Scores
6 fields- Overall Score
- ether.fi Cash Card86Coinbase Card64
- Cashback score
- ether.fi Cash Card84Coinbase Card36
- Travel score
- ether.fi Cash Card82Coinbase Card61
- Funds control score
- ether.fi Cash Card96Coinbase Card48
- Lowest fees score
- ether.fi Cash Card65Coinbase Card55
- Transfers score
- ether.fi Cash Card100Coinbase Card84
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableCoinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediatelyCoinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the app
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Coinbase Card$0
- FX fee
- ether.fi Cash Card0–0.5%Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- Top-up fee
- ether.fi Cash CardNot disclosedCoinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profile
- Card spending fee
- ether.fi Cash CardNot disclosedCoinbase Card0%
- ATM fee
- ether.fi Cash CardNot disclosedCoinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- ether.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.Coinbase CardNot disclosed
- Physical card
- ether.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.Coinbase CardNot disclosed
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPCoinbase CardNot disclosed
- Top cashback plan
- ether.fi Cash CardVIP: 4%Coinbase CardNot disclosed
Everyday use
8 fields- Network
- ether.fi Cash CardVisaCoinbase CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalCoinbase CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableCoinbase CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayCoinbase CardNot disclosed
- Apps
- ether.fi Cash CardiOS, Android, WebCoinbase CardiOS, Android
- Daily spending limit
- ether.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.Coinbase Card$2,500 per 24 hours in the U.S. programme
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planCoinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specific
- ATM limit
- ether.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.Coinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in app
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Coinbase CardCoinbase-supported networks
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Coinbase CardOther crypto: Supported crypto
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Coinbase CardLinked bank account, Payroll deposit
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Coinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Coinbase CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Coinbase CardNot disclosed
- Max cashback
- ether.fi Cash Card4%Coinbase CardNot disclosed
- Reward currency
- ether.fi Cash CardETHFI token cashbackCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.47% APYCoinbase CardNot offered
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultCoinbase CardNot offered
- Separate deposit
- ether.fi Cash CardNot disclosedCoinbase CardNot offered
- Use balance for spending
- ether.fi Cash CardNot disclosedCoinbase CardNot offered
- Lock-up
- ether.fi Cash CardNot disclosedCoinbase CardNot offered
Trust & availability
6 fields- Custody
- ether.fi Cash CardNon-custodialCoinbase CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlCoinbase CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalCoinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions Limited
- Card processing
- ether.fi Cash CardNot disclosedCoinbase CardMarqeta, Inc.
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerCoinbase CardNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCCoinbase CardNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card37Coinbase Card22
- Last reviewed
- ether.fi Cash CardOct 6, 2026Coinbase CardAug 30, 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 86 versus 64 for Coinbase Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coinbase 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 Coinbase 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 (12 vs 4). 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 Coinbase Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Coinbase Card
05 · Common questions
ether.fi Cash vs Coinbase FAQ
Is ether.fi Cash or Coinbase better overall?
ether.fi Cash Card has the higher Overall Score (86 vs 64). 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 Coinbase?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Coinbase?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Coinbase differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Coinbase 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 Coinbase comparison?
The latest information check for these two cards was October 6, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.