ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Uphold US: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 16 points (86 vs 70). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Uphold Card US may still be the better personal fit.
Information checked Oct 14, 202650 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. Uphold Card US 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 Cash86Uphold US70Higher score
Cashbackether.fi Cash84Uphold US75Higher score
Travelether.fi Cash82Uphold US71Higher score
Funds controlether.fi Cash96Uphold US44Higher score
Lowest feesether.fi Cash65Uphold US56Higher score
Transfersether.fi Cash100Uphold US65Higher 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 Uphold Card US if its day-to-day setup suits you
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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 Cash86Uphold US70
ether.fi Cash Card has the higher Overall Score by 16 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.5% FXUphold US$0 plan · 0–1.5% FX
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 0–1.5%).
- Purchase rewards
- ether.fi Cash3% base · up to 4%Uphold US2% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 2%).
- Funds control
- ether.fi CashNon-custodial accountUphold USCustodial balance
ether.fi Cash Card uses a non-custodial account setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Uphold US0 stablecoins · US bank withdrawal
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 2).
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%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
- Cashback
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 CardOverall86Uphold Card USOverall70
ether.fi Cash CardOverall86Uphold Card USOverall70Scores
6 fields- Overall Score
- ether.fi Cash Card86Uphold Card US70
- Cashback score
- ether.fi Cash Card84Uphold Card US75
- Travel score
- ether.fi Cash Card82Uphold Card US71
- Funds control score
- ether.fi Cash Card96Uphold Card US44
- Lowest fees score
- ether.fi Cash Card65Uphold Card US56
- Transfers score
- ether.fi Cash Card100Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediatelyUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Uphold Card US$0
- FX fee
- ether.fi Cash Card0–0.5%Uphold Card US0–1.5%
- Top-up fee
- ether.fi Cash CardNot disclosedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- ether.fi Cash CardNot disclosedUphold Card USNot disclosed
- ATM fee
- ether.fi Cash CardNot disclosedUphold Card USEssential: $2.95; Elite: $0
- 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.Uphold Card USFree on both plans
- 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.Uphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPUphold Card US2 plans: Essential, Elite
- Top cashback plan
- ether.fi Cash CardVIP: 4%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaUphold Card USVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableUphold Card USAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebUphold Card USiOS, Android
- 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.Uphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planUphold Card USEssential: $10,000/month; Elite: $100,000/month
- 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.Uphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Uphold Card USNot disclosed
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Uphold Card USNot disclosed
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Uphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Uphold Card USUS bank withdrawal
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Uphold Card USUSD
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Uphold Card US2%
- Max cashback
- ether.fi Cash Card4%Uphold Card US4%
- Reward currency
- ether.fi Cash CardETHFI token cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.47% APYUphold Card USNot offered
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultUphold Card USNot offered
- Separate deposit
- ether.fi Cash CardNot disclosedUphold Card USNot offered
- Use balance for spending
- ether.fi Cash CardNot disclosedUphold Card USNot offered
- Lock-up
- ether.fi Cash CardNot disclosedUphold Card USNot offered
Trust & availability
6 fields- Custody
- ether.fi Cash CardNon-custodialUphold Card USCustodial
- Control until payment
- ether.fi Cash CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalUphold Card USCross River Bank
- Custody / key management
- ether.fi Cash CardNot disclosedUphold Card USUphold HQ Inc.
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerUphold Card USNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCUphold Card USNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card37Uphold Card US13
- Last reviewed
- ether.fi Cash CardOct 6, 2026Uphold Card USOct 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 86 versus 70 for Uphold Card US. ether.fi Cash Card has the lower published FX fee (0–0.5% vs 0–1.5%). ether.fi Cash Card has the higher published base cashback rate (3% vs 2%).
Uphold Card US 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 Uphold Card US 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 (12 vs 2). 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 Uphold Card US reviews first.
Continue with
ether.fi Cash Card
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Uphold Card US
05 · Common questions
ether.fi Cash vs Uphold US FAQ
Is ether.fi Cash or Uphold US better overall?
ether.fi Cash Card has the higher Overall Score (86 vs 70). 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 Uphold US?
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 0–1.5%). 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 Uphold US?
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 Uphold US differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.