TangemTangem
77
Side-by-side card comparison
Tangem vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 9 points (86 vs 77). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Tangem Card may still be the better personal fit.
Information checked Oct 11, 202657 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. Tangem 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.
OverallTangem77ether.fi Cash86Higher score
CashbackTangem73ether.fi Cash84Higher score
TravelTangem63ether.fi Cash82Higher score
Funds controlTangem87ether.fi Cash96Higher score
Lowest feesTangem52ether.fi Cash65Higher score
TransfersTangem65ether.fi Cash100Higher score
Choose Tangem Card if its day-to-day setup suits you
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Tangem77ether.fi Cash86
ether.fi Cash Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXether.fi Cash$0 plan · 0–0.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Tangem1% base · up to 2%ether.fi Cash3% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
- Funds control
- TangemHybrid custodyether.fi CashNon-custodial account
Tangem 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
- TangemVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem2 stablecoins · Stablecoin transfersether.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 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
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
CardsTangem CardOverall77ether.fi Cash CardOverall86
Tangem CardOverall77ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- Tangem Card77ether.fi Cash Card86
- Cashback score
- Tangem Card73ether.fi Cash Card84
- Travel score
- Tangem Card63ether.fi Cash Card82
- Funds control score
- Tangem Card87ether.fi Cash Card96
- Lowest fees score
- Tangem Card52ether.fi Cash Card65
- Transfers score
- Tangem Card65ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on Polygonether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- Tangem Card$0ether.fi Cash Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownether.fi Cash Card0–0.5%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateether.fi Cash CardNot disclosed
- Card spending fee
- Tangem Card0%ether.fi Cash CardNot disclosed
- ATM fee
- Tangem Card2–4%ether.fi Cash CardNot disclosed
- Virtual card
- Tangem Card$0 for the first virtual cardether.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
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeether.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
- Tangem Card2 plans: Basic, Plusether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Tangem CardPlus: 2%ether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- Tangem CardVisaether.fi Cash CardVisa
- Card formats
- Tangem CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsether.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
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredether.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
- Tangem CardPolygon, BNB Smart Chain, Base, Arbitrumether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- Tangem CardStablecoin transfersether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- Tangem CardNot disclosedether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- Tangem Card1%ether.fi Cash Card3%
- Max cashback
- Tangem Card2%ether.fi Cash Card4%
- Reward currency
- Tangem CardUSDCether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredether.fi Cash CardUp to 5.47% APY
- How it works
- Tangem CardNot offeredether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Tangem CardNot offeredether.fi Cash CardNot disclosed
- Use balance for spending
- Tangem CardNot offeredether.fi Cash CardNot disclosed
- Lock-up
- Tangem CardNot offeredether.fi Cash CardNot disclosed
Trust & availability
7 fields- Custody
- Tangem CardHybrid custodyether.fi Cash CardNon-custodial
- Control until payment
- Tangem CardYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Tangem CardThird Nationalether.fi Cash CardThird National
- Card processing
- Tangem CardPaera LLCether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Tangem CardNot disclosedether.fi Cash CardSEPA third-party provider
- Identity verification
- Tangem CardSumsubether.fi Cash CardNot disclosed
- Programme operator
- Tangem CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Tangem Card20ether.fi Cash Card37
- Last reviewed
- Tangem CardOct 11, 2026ether.fi Cash CardOct 6, 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 77 for Tangem Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. ether.fi Cash Card has the higher published base cashback rate (3% vs 1%).
Tangem Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Tangem 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 (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 Tangem Card and ether.fi Cash Card reviews first.
Continue with
Tangem Card
Continue with
ether.fi Cash Card
05 · Common questions
Tangem vs ether.fi Cash FAQ
Is Tangem or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (86 vs 77). 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, Tangem or ether.fi Cash?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tangem or ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and ether.fi Cash differ on custody?
Tangem 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 Tangem vs ether.fi Cash comparison?
The latest information check for these two cards was October 11, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.