XPlaceXPlace
68
Side-by-side card comparison
XPlace vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 19 points (87 vs 68). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, and Transfers. The details below show where XPlace Card may still be the better personal fit.
Information checked Aug 27, 202645 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. XPlace 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.
OverallXPlace68ether.fi Cash87Higher score
CashbackXPlace49ether.fi Cash86Higher score
TravelXPlace61ether.fi Cash84Higher score
Funds controlXPlace67ether.fi Cash96Higher score
Lowest feesXPlace69ether.fi Cash69Same score
TransfersXPlace62ether.fi Cash97Higher score
Choose XPlace Card if its day-to-day setup suits you
XPlace 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, and Transfers, so compare that advantage with the features you would actually use.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, 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
- XPlace68ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 19 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 0–1%).
- Purchase rewards
- XPlace0.5% base · up to 4%ether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- XPlaceHybrid custodyether.fi CashNon-custodial account
XPlace 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
- XPlaceVirtual + 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
- XPlace2 stablecoins · 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 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- 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
CardsXPlace CardOverall68ether.fi Cash CardOverall87
XPlace CardOverall68ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- XPlace Card68ether.fi Cash Card87
- Cashback score
- XPlace Card49ether.fi Cash Card86
- Travel score
- XPlace Card61ether.fi Cash Card84
- Funds control score
- XPlace Card67ether.fi Cash Card96
- Lowest fees score
- XPlace Card69ether.fi Cash Card69
- Transfers score
- XPlace Card62ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- XPlace Card$0ether.fi Cash Card$0
- FX fee
- XPlace Card0–1%ether.fi Cash Card0–0.2%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesether.fi Cash CardNot disclosed
- Card spending fee
- XPlace Card0%ether.fi Cash CardNot disclosed
- ATM fee
- XPlace CardNot availableether.fi Cash Card2%
- Virtual card
- XPlace CardNot disclosedether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, Platinumether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- XPlace CardPlatinum: 2%ether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- XPlace CardVisaether.fi Cash CardVisa
- Card formats
- XPlace CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availableether.fi Cash CardAvailable
- Mobile wallets
- XPlace CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- XPlace CardNot available while only the virtual card is liveether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- XPlace CardSolanaether.fi Cash CardOptimism
- Crypto deposits
- XPlace CardStablecoins: USDCether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- XPlace CardNot disclosedether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- XPlace CardStablecoin transfersether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- XPlace CardNot disclosedether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- XPlace Card0.5%ether.fi Cash Card3%
- Max cashback
- XPlace Card4%ether.fi Cash Card3%
- Reward currency
- XPlace CardUSDCether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYether.fi Cash CardUp to 5.02% APY
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- XPlace CardYesether.fi Cash CardNot disclosed
- Use balance for spending
- XPlace CardNoether.fi Cash CardNot disclosed
- Lock-up
- XPlace CardNoether.fi Cash CardNot disclosed
Trust & availability
7 fields- Custody
- XPlace CardHybrid custodyether.fi Cash CardNon-custodial
- Control until payment
- XPlace CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- XPlace CardThird Nationalether.fi Cash CardThird National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)ether.fi Cash CardNot disclosed
- Deposits & withdrawals
- XPlace CardNot disclosedether.fi Cash CardSEPA third-party provider
- Identity verification
- XPlace CardSumsubether.fi Cash CardNot disclosed
- Programme operator
- XPlace CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- XPlace Card26ether.fi Cash Card19
- Last reviewed
- XPlace CardAug 27, 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 68 for XPlace Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 0–1%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
XPlace Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. XPlace 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 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 XPlace Card and ether.fi Cash Card reviews first.
Continue with
XPlace Card
Continue with
ether.fi Cash Card
05 · Common questions
XPlace vs ether.fi Cash FAQ
Is XPlace or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 68). 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, XPlace or ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, XPlace or ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do XPlace and ether.fi Cash differ on custody?
XPlace 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 XPlace vs ether.fi Cash comparison?
The latest information check for these two cards was August 27, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.