ether.fiether.fi Cash
88
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 23 points (88 vs 65). 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 Aug 30, 202641 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 Cash88Coinbase65Higher score
Cashbackether.fi Cash90Coinbase37Higher score
Travelether.fi Cash85Coinbase62Higher score
Funds controlether.fi Cash96Coinbase48Higher score
Lowest feesether.fi Cash71Coinbase55Higher score
Transfersether.fi Cash98Coinbase84Higher 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 Cash88Coinbase65
ether.fi Cash Card has the higher Overall Score by 23 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% 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 Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutCoinbase1 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 (9 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
- 0–0.2%
- 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
- 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 CardOverall88Coinbase CardOverall65
ether.fi Cash CardOverall88Coinbase CardOverall65Scores
6 fields- Overall Score
- ether.fi Cash Card88Coinbase Card65
- Cashback score
- ether.fi Cash Card90Coinbase Card37
- Travel score
- ether.fi Cash Card85Coinbase Card62
- Funds control score
- ether.fi Cash Card96Coinbase Card48
- Lowest fees score
- ether.fi Cash Card71Coinbase Card55
- Transfers score
- ether.fi Cash Card98Coinbase 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, Credit setup is more complex than a prepaid cardCoinbase 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 Card0–0.2%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 Card2%Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- ether.fi Cash CardCore: 1 free; Luxe: 2 free; Pinnacle: 10 free; VIP: unlimitedCoinbase CardNot disclosed
- Physical card
- ether.fi Cash CardCore: $60 including shipping; Luxe, Pinnacle and VIP: 1 free physical cardCoinbase 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 CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayCoinbase 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 Card$250/withdrawal; $750/dayCoinbase 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 CardOptimismCoinbase CardCoinbase-supported networks
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Coinbase CardOther crypto: Supported crypto
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveCoinbase CardLinked bank account, Payroll deposit
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutCoinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- ether.fi Cash CardEUR, USDCoinbase 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 CardUSD cashback paid in USDCCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% 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 Card19Coinbase Card22
- Last reviewed
- ether.fi Cash CardAug 29, 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 88 versus 65 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 (9 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 (88 vs 65). 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 August 30, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.