WhopWhop
67
Side-by-side card comparison
Whop vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 20 points (87 vs 67). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Whop Card may still be the better personal fit.
Information checked Aug 25, 202639 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. Whop 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.
OverallWhop67ether.fi Cash87Higher score
CashbackWhop39ether.fi Cash86Higher score
TravelWhop57ether.fi Cash84Higher score
Funds controlWhop74ether.fi Cash96Higher score
Lowest feesWhop56ether.fi Cash69Higher score
TransfersWhop92ether.fi Cash97Higher score
Choose Whop Card if its day-to-day setup suits you
Whop 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.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
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
- Whop67ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 20 points.
- Entry cost & FX
- WhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed).
- Purchase rewards
- Whop0% base · up to 5%ether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- WhopHybrid custodyether.fi CashNon-custodial account
Whop 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
- WhopVirtual + 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
- Whop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1ether.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 8).
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%-5%
- Plan cost
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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
CardsWhop CardOverall67ether.fi Cash CardOverall87
Whop CardOverall67ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Whop Card67ether.fi Cash Card87
- Cashback score
- Whop Card39ether.fi Cash Card86
- Travel score
- Whop Card57ether.fi Cash Card84
- Funds control score
- Whop Card74ether.fi Cash Card96
- Lowest fees score
- Whop Card56ether.fi Cash Card69
- Transfers score
- Whop Card92ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Whop CardSpend Whop revenue before bank payout, Five percent in three business categoriesether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Whop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Whop CardNot disclosedether.fi Cash Card$0
- FX fee
- Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedether.fi Cash Card0–0.2%
- Top-up fee
- Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%ether.fi Cash CardNot disclosed
- Card spending fee
- Whop Card0%ether.fi Cash CardNot disclosed
- ATM fee
- Whop CardATM access, issuer fee and limit are not separately confirmedether.fi Cash Card2%
- Virtual card
- Whop CardNot disclosedether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Whop 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
- Whop CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Whop CardNot disclosedether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Whop CardVisaether.fi Cash CardVisa
- Card formats
- Whop CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Whop CardNot disclosedether.fi Cash CardAvailable
- Mobile wallets
- Whop CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Whop CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Whop CardATM access and numeric withdrawal limits are unclearether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Whop CardEthereum, Polygon, Optimism, Arbitrumether.fi Cash CardOptimism
- Crypto deposits
- Whop CardStablecoins: USDTether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Whop CardStored payment method top-up, Dynamic bank deposit instructionsether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Whop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Whop CardUSDether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Whop Card0%ether.fi Cash Card3%
- Max cashback
- Whop Card5%ether.fi Cash Card3%
- Reward currency
- Whop CardWhop account cash-back creditether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Whop CardUp to 6% APYether.fi Cash CardUp to 5.02% APY
- How it works
- Whop CardOptional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Whop CardNoether.fi Cash CardNot disclosed
- Use balance for spending
- Whop CardNot disclosedether.fi Cash CardNot disclosed
- Lock-up
- Whop CardNoether.fi Cash CardNot disclosed
Trust & availability
6 fields- Custody
- Whop CardHybrid custodyether.fi Cash CardNon-custodial
- Control until payment
- Whop CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- Whop CardThird Nationalether.fi Cash CardThird National
- Custody / key management
- Whop CardPrivyether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Whop CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Whop CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Whop Card20ether.fi Cash Card19
- Last reviewed
- Whop CardAug 11, 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 67 for Whop Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Whop Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Whop 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 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 Whop Card and ether.fi Cash Card reviews first.
Continue with
Whop Card
Continue with
ether.fi Cash Card
05 · Common questions
Whop vs ether.fi Cash FAQ
Is Whop or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 67). 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, Whop or ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Whop 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 Whop and ether.fi Cash differ on custody?
Whop 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 Whop vs ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.