ether.fiether.fi Cash
88
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 18 points (88 vs 70). ether.fi Cash Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202640 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, Lowest fees, and Transfers. 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 Cash88Xapo70Higher score
Cashbackether.fi Cash90Xapo24Higher score
Travelether.fi Cash85Xapo91Higher score
Funds controlether.fi Cash96Xapo63Higher score
Lowest feesether.fi Cash71Xapo77Higher score
Transfersether.fi Cash98Xapo100Higher 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, 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.
- 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 Cash88Xapo70
ether.fi Cash Card has the higher Overall Score by 18 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% 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 Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutXapo2 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 (9 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
- 0–0.2%
- 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%-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 CardOverall88Xapo CardOverall70
ether.fi Cash CardOverall88Xapo CardOverall70Scores
6 fields- Overall Score
- ether.fi Cash Card88Xapo Card70
- Cashback score
- ether.fi Cash Card90Xapo Card24
- Travel score
- ether.fi Cash Card85Xapo Card91
- Funds control score
- ether.fi Cash Card96Xapo Card63
- Lowest fees score
- ether.fi Cash Card71Xapo Card77
- Transfers score
- ether.fi Cash Card98Xapo 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, Credit setup is more complex than a prepaid cardXapo 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 Card0–0.2%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 Card2%Xapo Card0–2%
- Virtual card
- ether.fi Cash CardCore: 1 free; Luxe: 2 free; Pinnacle: 10 free; VIP: unlimitedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- ether.fi Cash CardCore: $60 including shipping; Luxe, Pinnacle and VIP: 1 free physical cardXapo 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 CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayXapo 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 Card$250/withdrawal; $750/dayXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Xapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- ether.fi Cash CardEUR, USDXapo 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 CardUSD cashback paid in USDCXapo CardBTC
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% 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 Card19Xapo Card21
- Last reviewed
- ether.fi Cash CardAug 29, 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 88 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, Lowest fees, and Transfers, 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 (9 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
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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 (88 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 September 1, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.