OobitOobit
72
Side-by-side card comparison
Oobit vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 15 points (87 vs 72). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Oobit Card may still be the better personal fit.
Information checked Aug 25, 202635 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. Oobit 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.
OverallOobit72ether.fi Cash87Higher score
CashbackOobit68ether.fi Cash86Higher score
TravelOobit45ether.fi Cash84Higher score
Funds controlOobit77ether.fi Cash96Higher score
Lowest feesOobit51ether.fi Cash69Higher score
TransfersOobit64ether.fi Cash97Higher score
Choose Oobit Card if its day-to-day setup suits you
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
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
- Oobit72ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 3%).
- Purchase rewards
- Oobit5% base · up to 10%ether.fi Cash3% cashback
Oobit Card has the higher published base cashback rate (5% vs 3%).
- Funds control
- OobitHybrid custodyether.fi CashNon-custodial account
Oobit Card uses a hybrid custody setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- OobitVirtual · Apple Pay, Google Payether.fi CashVirtual + Physical · Apple Pay, Google Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 6).
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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 fiat
- 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
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
CardsOobit CardOverall72ether.fi Cash CardOverall87
Oobit CardOverall72ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Oobit Card72ether.fi Cash Card87
- Cashback score
- Oobit Card68ether.fi Cash Card86
- Travel score
- Oobit Card45ether.fi Cash Card84
- Funds control score
- Oobit Card77ether.fi Cash Card96
- Lowest fees score
- Oobit Card51ether.fi Cash Card69
- Transfers score
- Oobit Card64ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Oobit Card$0ether.fi Cash Card$0
- FX fee
- Oobit Card3%ether.fi Cash Card0–0.2%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeether.fi Cash CardNot disclosed
- Card spending fee
- Oobit Card$0.25 + 1%ether.fi Cash CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeether.fi Cash Card2%
- Virtual card
- Oobit CardFreeether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Oobit CardNot disclosedether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Oobit CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Oobit CardNot disclosedether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Oobit CardVisaether.fi Cash CardVisa
- Card formats
- Oobit CardVirtualether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrumether.fi Cash CardOptimism
- Crypto deposits
- Oobit CardNot disclosedether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Oobit CardNot disclosedether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4ether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Oobit Card5%ether.fi Cash Card3%
- Max cashback
- Oobit Card10%ether.fi Cash Card3%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Oobit CardNot offeredether.fi Cash CardUp to 5.02% APY
- How it works
- Oobit CardNot offeredether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Oobit CardNot offeredether.fi Cash CardNot disclosed
- Use balance for spending
- Oobit CardNot offeredether.fi Cash CardNot disclosed
- Lock-up
- Oobit CardNot offeredether.fi Cash CardNot disclosed
Trust & availability
5 fields- Custody
- Oobit CardHybrid custodyether.fi Cash CardNon-custodial
- Control until payment
- Oobit CardYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Oobit CardThirdNationalether.fi Cash CardThird National
- Deposits & withdrawals
- Oobit CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Oobit CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Oobit Card16ether.fi Cash Card19
- Last reviewed
- Oobit CardAug 12, 2026ether.fi Cash CardAug 25, 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 72 for Oobit Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 3%).
Oobit Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Oobit Card uses a hybrid custody setup, while ether.fi Cash Card uses a non-custodial account 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 6). 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 Oobit Card and ether.fi Cash Card reviews first.
Continue with
Oobit Card
Continue with
ether.fi Cash Card
05 · Common questions
Oobit vs ether.fi Cash FAQ
Is Oobit or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 72). 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, Oobit or ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Oobit or ether.fi Cash?
Oobit Card has the higher published base cashback rate (5% vs 3%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and ether.fi Cash differ on custody?
Oobit Card uses a hybrid custody setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Oobit vs ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.