PayyPayy
62
Side-by-side card comparison
Payy vs ether.fi Cash: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 24 points (86 vs 62). Payy Card looks stronger for Funds control, while ether.fi Cash Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Oct 6, 202642 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. Payy Card may be the better fit for Funds control. 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.
OverallPayy62ether.fi Cash86Higher score
CashbackPayy17ether.fi Cash84Higher score
TravelPayy27ether.fi Cash82Higher score
Funds controlPayy97ether.fi Cash96Higher score
Lowest feesPayy57ether.fi Cash65Higher score
TransfersPayy68ether.fi Cash100Higher score
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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
- Payy62ether.fi Cash86
ether.fi Cash Card has the higher Overall Score by 24 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXether.fi Cash$0 plan · 0–0.5% FX
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 1–3%).
- Purchase rewards
- Payy0% cashbackether.fi Cash3% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- PayySelf-controlled walletether.fi CashNon-custodial account
Payy Card uses a self-controlled wallet 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
- PayyVirtual · 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
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 3).
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
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- 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
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
CardsPayy CardOverall62ether.fi Cash CardOverall86
Payy CardOverall62ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- Payy Card62ether.fi Cash Card86
- Cashback score
- Payy Card17ether.fi Cash Card84
- Travel score
- Payy Card27ether.fi Cash Card82
- Funds control score
- Payy Card97ether.fi Cash Card96
- Lowest fees score
- Payy Card57ether.fi Cash Card65
- Transfers score
- Payy Card68ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- Payy Card$0ether.fi Cash Card$0
- FX fee
- Payy Card1–3%ether.fi Cash Card0–0.5%
- Top-up fee
- Payy Card0%ether.fi Cash CardNot disclosed
- Card spending fee
- Payy Card0%ether.fi Cash CardNot disclosed
- ATM fee
- Payy CardNot availableether.fi Cash CardNot disclosed
- Virtual card
- Payy CardFree; instant after KYCether.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.
- Physical card
- Payy CardNot disclosedether.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.
Plans
2 fields- Available plans
- Payy CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Payy CardNot disclosedether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkether.fi Cash CardVisa
- Card formats
- Payy CardVirtualether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableether.fi Cash CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Payy CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Payy CardNot disclosedether.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.
- Monthly spending limit
- Payy CardNot disclosedether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Payy CardNot disclosedether.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.
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy Networkether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- Payy CardStablecoins: USDCether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- Payy CardBank-account depositether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- Payy CardStablecoin transfers; Payy payment linksether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- Payy CardNot disclosedether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- Payy Card0%ether.fi Cash Card3%
- Max cashback
- Payy Card0%ether.fi Cash Card4%
- Reward currency
- Payy CardNo cashbackether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredether.fi Cash CardUp to 5.47% APY
- How it works
- Payy CardNot offeredether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Payy CardNot offeredether.fi Cash CardNot disclosed
- Use balance for spending
- Payy CardNot offeredether.fi Cash CardNot disclosed
- Lock-up
- Payy CardNot offeredether.fi Cash CardNot disclosed
Trust & availability
6 fields- Custody
- Payy CardSelf-custodyether.fi Cash CardNon-custodial
- Control until payment
- Payy CardYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Payy CardThird National / Rainether.fi Cash CardThird National
- Card processing
- Payy CardRainether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Payy CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Payy CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Payy Card5ether.fi Cash Card37
- Last reviewed
- Payy CardAug 5, 2026ether.fi Cash CardOct 6, 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 62 for Payy Card. ether.fi Cash Card has the lower published FX fee (0–0.5% vs 1–3%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Payy Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Payy Card uses a self-controlled wallet 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 (12 vs 3). 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 Payy Card and ether.fi Cash Card reviews first.
Continue with
Payy Card
Continue with
ether.fi Cash Card
05 · Common questions
Payy vs ether.fi Cash FAQ
Is Payy or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (86 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, Payy or ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.5% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Payy or ether.fi Cash?
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 Payy and ether.fi Cash differ on custody?
Payy Card uses a self-controlled wallet 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 Payy vs ether.fi Cash comparison?
The latest information check for these two cards was October 6, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.