ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Xapo: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 16 points (86 vs 70). ether.fi Cash Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel and Lowest fees.
Information checked Oct 6, 202658 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Xapo Card may be the better fit for Travel and Lowest fees. 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 Cash86Xapo70Higher score
Cashbackether.fi Cash84Xapo24Higher score
Travelether.fi Cash82Xapo91Higher score
Funds controlether.fi Cash96Xapo64Higher score
Lowest feesether.fi Cash65Xapo78Higher score
Transfersether.fi Cash100Xapo100Same score
Choose ether.fi Cash Card if cashback and funds control matter most
ether.fi Cash Card comes out ahead for Cashback and Funds control 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 Xapo Card if travel and lowest fees matter most
Xapo Card comes out ahead for Travel and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No Xapo FX markup
- Account-backed bank and crypto rails
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- ether.fi Cash86Xapo70
ether.fi Cash Card has the higher Overall Score by 16 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.5% FXXapo$1,000/year plan · 0–0.29% FX
ether.fi Cash Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- ether.fi Cash3% base · up to 4%Xapo0% base · up to 3%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ether.fi CashNon-custodial accountXapoCustodial balance
ether.fi Cash Card uses a non-custodial account setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Xapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 8).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
Cardsether.fi Cash CardOverall86Xapo CardOverall70
ether.fi Cash CardOverall86Xapo CardOverall70Scores
6 fields- Overall Score
- ether.fi Cash Card86Xapo Card70
- Cashback score
- ether.fi Cash Card84Xapo Card24
- Travel score
- ether.fi Cash Card82Xapo Card91
- Funds control score
- ether.fi Cash Card96Xapo Card64
- Lowest fees score
- ether.fi Cash Card65Xapo Card78
- Transfers score
- ether.fi Cash Card100Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediatelyXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Xapo Card$1,000/year
- FX fee
- ether.fi Cash Card0–0.5%Xapo Card0–0.29%
- Top-up fee
- ether.fi Cash CardNot disclosedXapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- ether.fi Cash CardNot disclosedXapo Card0%
- ATM fee
- ether.fi Cash CardNot disclosedXapo Card0–2%
- 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.Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- 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.Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- ether.fi Cash CardVIP: 4%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaXapo CardVisa/Mastercard
- Card formats
- ether.fi Cash CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableXapo CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- ether.fi Cash CardiOS, Android, WebXapo CardiOS, 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.Xapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planXapo Card$250,000 monthly under the Visa Europe programme
- 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.Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Xapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Xapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Xapo Card0%
- Max cashback
- ether.fi Cash Card4%Xapo Card3%
- Reward currency
- ether.fi Cash CardETHFI token cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.47% APYXapo CardUp to 3.35% APY
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultXapo CardEarn on spending balance
- Separate deposit
- ether.fi Cash CardNot disclosedXapo CardNo
- Use balance for spending
- ether.fi Cash CardNot disclosedXapo CardYes
- Lock-up
- ether.fi Cash CardNot disclosedXapo CardNo
Trust & availability
6 fields- Custody
- ether.fi Cash CardNon-custodialXapo CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlXapo CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalXapo CardTransact Payments Malta Limited
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerXapo CardNot disclosed
- Bank transfers
- ether.fi Cash CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCXapo CardNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card37Xapo Card21
- Last reviewed
- ether.fi Cash CardOct 6, 2026Xapo CardSep 1, 2026
04 · The trade-off
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 Xapo Card. ether.fi Cash Card has the lower starting plan cost ($0 vs $1,000/year). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Xapo Card still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. ether.fi Cash Card uses a non-custodial account setup, while Xapo 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 (12 vs 8). 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 Xapo Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Xapo Card
05 · Common questions
ether.fi Cash vs Xapo FAQ
Is ether.fi Cash or Xapo 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 Xapo?
ether.fi Cash Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
ether.fi Cash Card uses a non-custodial account setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was October 6, 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.