TangemTangem
60
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 27 points (87 vs 60). 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 Aug 28, 202637 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.
OverallTangem60ether.fi Cash87Higher score
CashbackTangem15ether.fi Cash86Higher score
TravelTangem27ether.fi Cash84Higher score
Funds controlTangem83ether.fi Cash96Higher score
Lowest feesTangem53ether.fi Cash69Higher score
TransfersTangem58ether.fi Cash97Higher 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
- Tangem60ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 27 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXether.fi Cash$0 plan · 0–0.2% 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
- Tangem0% cashbackether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- 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 · 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
- Tangem1 stablecoin · Stablecoin transfersether.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 2).
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
- 0%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
CardsTangem CardOverall60ether.fi Cash CardOverall87
Tangem CardOverall60ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Tangem Card60ether.fi Cash Card87
- Cashback score
- Tangem Card15ether.fi Cash Card86
- Travel score
- Tangem Card27ether.fi Cash Card84
- Funds control score
- Tangem Card83ether.fi Cash Card96
- Lowest fees score
- Tangem Card53ether.fi Cash Card69
- Transfers score
- Tangem Card58ether.fi Cash Card97
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 CardNo current cashback, Virtual-only with no ATM accessether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
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 Card0–0.2%
- Top-up fee
- Tangem Card0%ether.fi Cash CardNot disclosed
- Card spending fee
- Tangem Card0%ether.fi Cash CardNot disclosed
- ATM fee
- Tangem CardNot availableether.fi Cash Card2%
- Virtual card
- Tangem Card$0 for the first virtual cardether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Tangem 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
- Tangem CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Tangem CardNot disclosedether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Tangem CardVisaether.fi Cash CardVisa
- Card formats
- Tangem CardVirtualether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availableether.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 advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- 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 CardATM withdrawals are not currently availableether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Tangem CardPolygonether.fi Cash CardOptimism
- Crypto deposits
- Tangem CardStablecoins: USDCether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Tangem CardNot disclosedether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Tangem CardStablecoin transfersether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Tangem CardNot disclosedether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Tangem Card0%ether.fi Cash Card3%
- Max cashback
- Tangem Card0%ether.fi Cash Card3%
- Reward currency
- Tangem CardNo current purchase rewardsether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Tangem CardNot offeredether.fi Cash CardUp to 5.02% 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 Card18ether.fi Cash Card19
- Last reviewed
- Tangem CardAug 28, 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 60 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 0%).
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 (9 vs 2). 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 (87 vs 60). 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 0%). 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 August 28, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.