ether.fiether.fi Cash
87
Side-by-side card comparison
ether.fi Cash vs Spritz: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 25 points (87 vs 62). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Aug 28, 202660 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. Spritz 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 Cash87Spritz62Higher score
Cashbackether.fi Cash86Spritz34Higher score
Travelether.fi Cash84Spritz46Higher score
Funds controlether.fi Cash96Spritz62Higher score
Lowest feesether.fi Cash69Spritz44Higher score
Transfersether.fi Cash97Spritz64Higher 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 Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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 Cash87Spritz62
ether.fi Cash Card has the higher Overall Score by 25 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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% cashbackSpritz0% base · up to 5%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ether.fi CashNon-custodial accountSpritzHybrid custody
ether.fi Cash Card uses a non-custodial account setup, while Spritz Card uses a hybrid custody 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 PaySpritzVirtual + 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 payoutSpritz0 stablecoins · Wallet-to-bank Off-Ramp
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall87Spritz CardOverall62
ether.fi Cash CardOverall87Spritz CardOverall62Scores
6 fields- Overall Score
- ether.fi Cash Card87Spritz Card62
- Cashback score
- ether.fi Cash Card86Spritz Card34
- Travel score
- ether.fi Cash Card84Spritz Card46
- Funds control score
- ether.fi Cash Card96Spritz Card62
- Lowest fees score
- ether.fi Cash Card69Spritz Card44
- Transfers score
- ether.fi Cash Card97Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Spritz Card$0
- FX fee
- ether.fi Cash Card0–0.2%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- ether.fi Cash CardNot disclosedSpritz Card1–3%
- Card spending fee
- ether.fi Cash CardNot disclosedSpritz Card0%
- ATM fee
- ether.fi Cash Card2%Spritz CardNot disclosed
- Virtual card
- ether.fi Cash CardUp to 50 free virtual cards by tierSpritz CardNot disclosed
- Physical card
- ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical cardSpritz CardNot disclosed
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPSpritz CardNot disclosed
- Top cashback plan
- ether.fi Cash CardCore: 3%Spritz CardNot disclosed
Everyday use
8 fields- Network
- ether.fi Cash CardVisaSpritz CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableSpritz CardNot disclosed
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebSpritz CardiOS
- Daily spending limit
- ether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/daySpritz CardNo provider-published daily spend cap
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planSpritz CardNot disclosed
- ATM limit
- ether.fi Cash Card$250/withdrawal; $750/daySpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Spritz CardOther crypto: Crypto top-up
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveSpritz CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- ether.fi Cash CardEUR, USDSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Spritz Card0%
- Max cashback
- ether.fi Cash Card3%Spritz Card5%
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYSpritz CardNot offered
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultSpritz CardNot offered
- Separate deposit
- ether.fi Cash CardNot disclosedSpritz CardNot offered
- Use balance for spending
- ether.fi Cash CardNot disclosedSpritz CardNot offered
- Lock-up
- ether.fi Cash CardNot disclosedSpritz CardNot offered
Trust & availability
6 fields- Custody
- ether.fi Cash CardNon-custodialSpritz CardHybrid custody
- Control until payment
- ether.fi Cash CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalSpritz CardNot disclosed
- Card processing
- ether.fi Cash CardNot disclosedSpritz CardRain
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerSpritz CardNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCSpritz CardNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card19Spritz Card41
- Last reviewed
- ether.fi Cash CardAug 25, 2026Spritz CardAug 28, 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 62 for Spritz 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%).
Spritz 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 Spritz Card uses a hybrid custody 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 1). 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 Spritz Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Spritz Card
05 · Common questions
ether.fi Cash vs Spritz FAQ
Is ether.fi Cash or Spritz better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 62). 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 Spritz?
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 Spritz?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%). 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 Spritz differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ether.fi Cash vs Spritz comparison?
The latest information check for these two cards was August 28, 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.