ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Decaf
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 Decaf Card may still be the better personal fit.
Latest check Oct 19, 202658 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.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
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Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
Cardsether.fi Cash CardOverall86Decaf CardOverall64
ether.fi Cash CardOverall86Decaf CardOverall64Scores
- Overall Score
- ether.fi Cash Card86Decaf Card64
- Cashback score
- ether.fi Cash Card84Decaf Card29
- Travel score
- ether.fi Cash Card82Decaf Card60
- Funds control score
- ether.fi Cash Card96Decaf Card63
- Lowest fees score
- ether.fi Cash Card65Decaf Card57
- Transfers score
- ether.fi Cash Card100Decaf Card70
Costs
- Plan cost
- ether.fi Cash Card$0Decaf Card$0
- FX fee
- ether.fi Cash Card0–0.5%Decaf Card1–2%
- Top-up fee
- ether.fi Cash CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- ether.fi Cash CardNot disclosedDecaf CardNot disclosed
- ATM fee
- ether.fi Cash CardNot disclosedDecaf Card0% Decaf markup
- 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.Decaf Card$5
- 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.Decaf Card$90 international / $10 US
Plans
- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPDecaf CardNot disclosed
- Top cashback plan
- ether.fi Cash CardVIP: 4%Decaf CardNot disclosed
Everyday use
- Network
- ether.fi Cash CardVisaDecaf CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableDecaf CardNot disclosed
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebDecaf 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.Decaf CardNot disclosed
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planDecaf CardNot disclosed
- 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.Decaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Decaf CardSolana, Stellar
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Decaf CardStablecoins: USDC
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Decaf CardUSD, EUR and MXN account receipts
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Decaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Decaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- ether.fi Cash Card3%Decaf CardNot disclosed
- Max cashback
- ether.fi Cash Card4%Decaf CardNot disclosed
- Reward currency
- ether.fi Cash CardETHFI token cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- ether.fi Cash CardUp to 5.47% APYDecaf CardNot disclosed
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultDecaf CardOptional earn vault
- Separate deposit
- ether.fi Cash CardNot disclosedDecaf CardYes
- Use balance for spending
- ether.fi Cash CardNot disclosedDecaf CardNot disclosed
- Lock-up
- ether.fi Cash CardNot disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- ether.fi Cash CardNon-custodialDecaf CardNon-custodial
- Control until payment
- ether.fi Cash CardYou keep controlDecaf CardNot disclosed
- Card issuer
- ether.fi Cash CardThird NationalDecaf CardThird National, Inc.
- Card processing
- ether.fi Cash CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerDecaf CardMoneyGram
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCDecaf CardNot disclosed
Sources
- Official sources
- ether.fi Cash Card37Decaf Card21
- Last reviewed
- ether.fi Cash CardOct 6, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose ether.fi Cash or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, ether.fi Cash lists 0–0.5%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, ether.fi Cash has reviewed routes in AED, AUD, BRL, CAD and other currencies; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
ether.fi Cash's reviewed deposit assets include ETHFI, EURC, LiquidBTC, LiquidETH and other assets; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
ether.fi Cash vs Decaf FAQ
Is ether.fi Cash or Decaf 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 Decaf?
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 1–2%). 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 Decaf?
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 Decaf differ on custody?
ether.fi Cash Card and Decaf Card use the same non-custodial account setup.
How current is this ether.fi Cash vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.