ether.fiether.fi Cash
87
Side-by-side card comparison
ether.fi Cash vs Pionex: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 30 points (87 vs 57). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Pionex Card may still be the better personal fit.
Information checked Aug 25, 202678 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. Pionex 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 Cash87Pionex57Higher score
Cashbackether.fi Cash86Pionex52Higher score
Travelether.fi Cash84Pionex29Higher score
Funds controlether.fi Cash96Pionex43Higher score
Lowest feesether.fi Cash69Pionex58Higher score
Transfersether.fi Cash97Pionex79Higher 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 Pionex Card if its day-to-day setup suits you
Pionex 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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 Cash87Pionex57
ether.fi Cash Card has the higher Overall Score by 30 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXPionex$0 plan · Not disclosed 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% cashbackPionex0.1% base · up to 1%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.1%).
- Funds control
- ether.fi CashNon-custodial accountPionexCustodial balance
ether.fi Cash Card uses a non-custodial account setup, while Pionex 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 PayPionexVirtual · Apple Pay, Google Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex 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%
- 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall87Pionex CardOverall57
ether.fi Cash CardOverall87Pionex CardOverall57Scores
6 fields- Overall Score
- ether.fi Cash Card87Pionex Card57
- Cashback score
- ether.fi Cash Card86Pionex Card52
- Travel score
- ether.fi Cash Card84Pionex Card29
- Funds control score
- ether.fi Cash Card96Pionex Card43
- Lowest fees score
- ether.fi Cash Card69Pionex Card58
- Transfers score
- ether.fi Cash Card97Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendablePionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Pionex Card$0
- FX fee
- ether.fi Cash Card0–0.2%Pionex CardNot disclosed
- Top-up fee
- ether.fi Cash CardNot disclosedPionex CardNot disclosed
- Card spending fee
- ether.fi Cash CardNot disclosedPionex Card3.5%
- ATM fee
- ether.fi Cash Card2%Pionex CardNot available
- Virtual card
- ether.fi Cash CardUp to 50 free virtual cards by tierPionex CardAvailable
- Physical card
- ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical cardPionex CardNot available
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- ether.fi Cash CardCore: 3%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaPionex CardVisa/Mastercard
- Card formats
- ether.fi Cash CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- ether.fi Cash CardAvailablePionex CardNot available
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebPionex CardNot disclosed
- Daily spending limit
- ether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planPionex Card$50,000-$100,000/month depending on network
- ATM limit
- ether.fi Cash Card$250/withdrawal; $750/dayPionex CardNot available
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismPionex CardNot disclosed
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Pionex CardOther crypto: Supported crypto
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receivePionex CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- ether.fi Cash CardEUR, USDPionex CardNot disclosed
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Pionex Card0.1%
- Max cashback
- ether.fi Cash Card3%Pionex Card1%
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCPionex CardUSDT
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYPionex CardUp to 5% APY
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultPionex CardEarn on spending balance
- Separate deposit
- ether.fi Cash CardNot disclosedPionex CardNo
- Use balance for spending
- ether.fi Cash CardNot disclosedPionex CardYes
- Lock-up
- ether.fi Cash CardNot disclosedPionex CardNo
Trust & availability
5 fields- Custody
- ether.fi Cash CardNon-custodialPionex CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlPionex CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalPionex CardNot disclosed
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerPionex CardNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCPionex CardNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card19Pionex Card59
- Last reviewed
- ether.fi Cash CardAug 25, 2026Pionex CardAug 14, 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 87 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. ether.fi Cash Card has the higher published base cashback rate (3% vs 0.1%).
Pionex 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 Pionex 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 Pionex Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Pionex Card
05 · Common questions
ether.fi Cash vs Pionex FAQ
Is ether.fi Cash or Pionex better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 57). 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 Pionex?
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 Pionex?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.1%). 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 Pionex differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Pionex 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 Pionex comparison?
The latest information check for these two cards was August 25, 2026, using 78 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.