ether.fiether.fi Cash
88
Side-by-side card comparison
ether.fi Cash vs Coinbase One: where the score gap comes from
ether.fi Cash Card has the higher Overall Score by 32 points (88 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202642 official sources reviewed
01 · Where the gap opens
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Coinbase One 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 Cash88Coinbase One56Higher score
Cashbackether.fi Cash90Coinbase One40Compare the details below
Travelether.fi Cash85Coinbase One60Compare the details below
Funds controlether.fi Cash97Coinbase One36Compare the details below
Lowest feesether.fi Cash71Coinbase One58Compare the details below
Transfersether.fi Cash98Coinbase One24Compare the details below
Choose ether.fi Cash Card if its day-to-day setup suits you
ether.fi Cash 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. Read the side-by-side details before deciding.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One 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. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- ether.fi Cash88Coinbase One56
ether.fi Cash Card has the higher Overall Score by 32 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
ether.fi Cash Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- ether.fi Cash3% base · up to 4%Coinbase One2% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 2%).
- Funds control
- ether.fi CashNon-custodial accountCoinbase OneCustodial balance
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.
- Everyday access
- ether.fi CashVirtual + Physical · Apple Pay, Google PayCoinbase OneVirtual + 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 payoutCoinbase One0 stablecoins · Not modeled
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
Cardsether.fi Cash CardOverall88Coinbase One CardOverall56
ether.fi Cash CardOverall88Coinbase One CardOverall56Scores
6 fields- Overall Score
- ether.fi Cash Card88Coinbase One Card56
- Cashback score
- ether.fi Cash Card90Coinbase One Card40
- Travel score
- ether.fi Cash Card85Coinbase One Card60
- Funds control score
- ether.fi Cash Card97Coinbase One Card36
- Lowest fees score
- ether.fi Cash Card71Coinbase One Card58
- Transfers score
- ether.fi Cash Card98Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Coinbase One Card$49.99/year
- FX fee
- ether.fi Cash Card0–0.2%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 Card2%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- ether.fi Cash CardCore: 1 free; Luxe: 2 free; Pinnacle: 10 free; VIP: unlimitedCoinbase One CardNot disclosed
- Physical card
- ether.fi Cash CardCore: $60 including shipping; Luxe, Pinnacle and VIP: 1 free physical cardCoinbase One CardNot disclosed
Plans
2 fields- 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
8 fields- 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 CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayCoinbase 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 Card$250/withdrawal; $750/dayCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismCoinbase One CardNot disclosed
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Coinbase One CardNot disclosed
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveCoinbase One CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutCoinbase One CardNot disclosed
- Payout currencies
- ether.fi Cash CardEUR, USDCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Coinbase One Card2%
- Max cashback
- ether.fi Cash Card4%Coinbase One Card4%
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYCoinbase One CardUp to 3.5% APY
- 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
6 fields- 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
2 fields- Official sources
- ether.fi Cash Card19Coinbase One Card23
- Last reviewed
- ether.fi Cash CardAug 29, 2026Coinbase One CardSep 5, 2026
04 · The verdict
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 88 versus 56 for Coinbase One Card. ether.fi Cash Card has the lower starting plan cost ($0 vs $49.99/year). ether.fi Cash Card has the higher published base cashback rate (3% vs 2%).
Coinbase One 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 One 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 0). 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 One Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Coinbase One Card
05 · 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 (88 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 September 5, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.