ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Coinbase One
ether.fi Cash Card has the higher Overall Score by 30 points (86 vs 56). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202660 official sources reviewed
ether.fi Cash Card
Best fit
- Spending Liquid USD directly from Earn without a separate withdrawal.
- Keeping bank transfers and everyday Visa spending in one account.
- Everyday spending with Core's 3% starting rate and no annual membership fee.
Before you choose
- ETHFI rewards require a manual claim, a 7-day hold and a $5 minimum.
- Core's first virtual card has a $10 issuance fee in selected countries.
- Cashback falls as monthly spend grows, with lower thresholds for EUR purchases.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Partner links may earn us a commission. Affiliate disclosure
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
Cardsether.fi Cash CardOverall86Coinbase One CardOverall56
ether.fi Cash CardOverall86Coinbase One CardOverall56Scores
- Overall Score
- ether.fi Cash Card86Coinbase One Card56
- Cashback score
- ether.fi Cash Card84Coinbase One Card40
- Travel score
- ether.fi Cash Card82Coinbase One Card60
- Funds control score
- ether.fi Cash Card96Coinbase One Card36
- Lowest fees score
- ether.fi Cash Card65Coinbase One Card40
- Transfers score
- ether.fi Cash Card100Coinbase One Card24
Costs
- Plan cost
- ether.fi Cash Card$0Coinbase One Card$49.99/year
- FX fee
- ether.fi Cash Card0–0.5%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- ether.fi Cash CardNot disclosedCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- ether.fi Cash CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- ether.fi Cash CardNot disclosedCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- 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 One 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 One CardNot disclosed
Plans
- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- ether.fi Cash CardVIP: 4%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- ether.fi Cash CardVisaCoinbase One CardAmerican Express
- Card formats
- ether.fi Cash CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebCoinbase One CardiOS, Android, Web
- 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 One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- 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 One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Coinbase One CardNot disclosed
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Coinbase One CardNot disclosed
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Coinbase One CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Coinbase One CardNot disclosed
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Coinbase One CardNot disclosed
Rewards
- Base cashback
- ether.fi Cash Card3%Coinbase One Card2%
- Max cashback
- ether.fi Cash Card4%Coinbase One Card4%
- Reward currency
- ether.fi Cash CardETHFI token cashbackCoinbase One CardBitcoin
Earn
- Advertised APY
- ether.fi Cash CardUp to 5.47% APYCoinbase One CardNot disclosed
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultCoinbase One CardBorrow against collateral
- Separate deposit
- ether.fi Cash CardNot disclosedCoinbase One CardNo
- Use balance for spending
- ether.fi Cash CardNot disclosedCoinbase One CardNo
- Lock-up
- ether.fi Cash CardNot disclosedCoinbase One CardYes
Trust & availability
- Custody
- ether.fi Cash CardNon-custodialCoinbase One CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalCoinbase One CardFirst Electronic Bank
- Custody / key management
- ether.fi Cash CardNot disclosedCoinbase One CardCoinbase, Inc.
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerCoinbase One CardNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCCoinbase One CardNot disclosed
Sources
- Official sources
- ether.fi Cash Card37Coinbase One Card23
- Last reviewed
- ether.fi Cash CardOct 6, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose ether.fi Cash or Coinbase One
Keeping control of your funds
ether.fi Cash suits spending while retaining control of your funds until payment. With Coinbase One, control passes to the provider before the purchase.
How you receive rewards
Choose by the reward asset you want to receive: ether.fi Cash lists ETHFI token cashback; Coinbase One lists Bitcoin. For ether.fi Cash: ETHFI rewards require a manual claim, a 7-day hold and a $5 minimum.
Keeping recurring costs down
ether.fi Cash's base plan is $0, compared with $49.99/year for Coinbase One. This favours ether.fi Cash for occasional use; card issuance and transaction fees are separate.
Common questions
ether.fi Cash vs Coinbase One FAQ
Is ether.fi Cash or Coinbase One better overall?
ether.fi Cash Card has the higher Overall Score (86 vs 56). 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 One?
ether.fi Cash Card has the lower starting plan cost ($0 vs $49.99/year). 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 One?
ether.fi Cash Card has the higher published base cashback rate (3% vs 2%). 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 One differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Coinbase One 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 One comparison?
The latest information check for these two cards was October 11, 2026, using 60 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.