CREDIT · VISANo annual fee

Ether.fi Cash

Name: Ether.fi Cash
Brand: Ether.Fi Cash Ltd

by Ether.Fi Cash Ltd · Andorra, Angola, Antigua & Barbuda, Argentina…

Non-custodial DeFi-native secured credit card. Spend against crypto collateral without selling it. Collateral earns yield while you spend. 3–4% cashback depending on plan.

Apply via Ether.Fi Cash Ltd →Add to compare

By the cryptocards.one team·Terms checked October 8, 2026·Referral link, see our affiliate disclosure

Ether.fi Cash — Credit card — on the Visa network

MAX REWARD

Up to 4%

ENTRY PRICE

Free

BASE FX FEE

~1% + up to 0.5% marku…

VERDICT

Is the Ether.fi Cash worth it?

The Ether.fi Cash is a credit card on Visa, paying up to 4% back on spend. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

you want up to 4% back on everyday spending
you want your crypto to stay in your own wallet until you spend it
you want to start spending the day you sign up

THINK TWICE IF

you're not willing to stake or hold a token to reach the headline rate
a fixed cost is a dealbreaker — the annual fee is Core free; Luxe $199/year; Pinnacle $999/year;…

OUR SCORE

How we rate the Ether.fi Cash

4.1out of 5Our assessment, not a user rating

Cost25%4.0 / 5
The Core plan is free, but FX is about 1–1.5% and a physical card costs $50.
Conditions25%5.0 / 5
Core's 3% needs no paid plan, stake or balance, and the top advertised rate (4%) is close to what Core pays.
Rewards25%4.0 / 5
Core pays 3% on the first $2,000/month — about $45 at $1,500 spend — but in ETHFI, ether.fi's own token.
Reliability25%3.5 / 5
Fees, tiers and terms are documented clearly in ether.fi's own help centre, which counts in its favour. The terms have also moved several times this year: rewards switched to ETHFI, rates now step down past each tier's monthly threshold, card spending earns fewer membership points since 15 September, and the cashback terms were revised again on 11 September 2026.

Ether.fi Cash is a strong crypto card for experienced users who value self-custody and high cashback, but its tier system, annual costs, and spending conditions make it less attractive for ordinary users. The 3–4% headline cashback is compelling, yet the best rates depend on tier and monthly caps, while FX costs and membership requirements reduce the real-world value. Overall, it is a powerful but relatively complex card rather than an obvious all-round winner.

Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.

KEY FACTS

The card at a glance

CARD TYPE

Credit

Card category

NETWORK

Visa

Where it's accepted

ANNUAL FEE

Free

Core: free · Luxe: $199/year · Pinnacle: $999/year · VIP: by invitation

MAX REWARD

Up to 4%

Top published rate

See reward details ↓

REWARDS IN

ETHFI

How rewards are paid

FX FEE

~1–1.5%

On foreign-currency spend

See fee details ↓

REGION

Andorra, Angola, Antigua & Barbuda, Argentina, Australia, Austria, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bolivia, Brazil, British Virgin Islands, Bulgaria, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, France, Germany, Gibraltar, Greece, Guernsey, Guatemala, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Japan, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Maldives, Malta, Mexico, Monaco, New Zealand, Nigeria, Norway, Oman, Palau, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Saudi Arabia, Seychelles, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, St. Kitts & Nevis, St. Lucia, St. Vincent & the Grenadines, Suriname, Sweden, Switzerland, Taiwan, Thailand, Trinidad & Tobago, Turks & Caicos Islands, UAE, UK, United States (only Alabama, Alaska, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming), Uruguay, Vanuatu.

Where it's available

STAKING

Staking ETHFI is not required for the base Core tier. Staking can be used to fast-track higher membership tiers: 30,000 ETHFI for Luxe, 150,000 ETHFI for Pinnacle, and 500,000 ETHFI for VIP.

Lock-up to earn rewards

CUSTODY

Self-custody

You hold the keys

Compare Ether.fi Cash against other cards in:

REWARDS

Earning Up to 4%

The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.

Reward summary

Up to 4%, paid in ETHFI.

Cashback paid in ETHFI.
On USD purchases: 3% on the first $2,000 a month (Core), $10,000 (Luxe) and $50,000 (Pinnacle), then 1%, then 0.5%; VIP earns 4% on the first $50,000 a month.
Purchases charged in EUR use lower thresholds: 3% on the first $800 a month (USD equivalent) on Core, $3,000 on Luxe and $16,000 on Pinnacle, then 1%, then 0.1%. ether.fi's terms say it may limit the maximum cashback a user earns per month.
Rewards need a $5 minimum to claim and become claimable 7 days after the transaction clears.
Your collateral keeps earning DeFi yield while you spend.

PLANS & TIERS

Compare the plans

This card has 4 plans. Select one to see its rate, fees and perks.

Core

Requirement: Everyone starts at Core; no paid membership required

3% on first $2,000/mo

Cashback

PRICE

Free

ATM FEE

Available (fee not listed)

FX FEE

~1% + up to 0.5% markup (max ~1.5%)

WHAT'S INCLUDED

✓ether.fi Travel: 5% plus up to 65% off hotels and flights

✓Airport lounge access

✓Visa Concierge

✓Account protection up to $10K

✓1 free virtual card ($10 in Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, Philippines, South Africa and Thailand)

✓Physical card: free, but a shipping fee applies ($50 at our last check)

Plan	Core	Luxe	Pinnacle	VIP
Cashback	3% on first $2,000/mo	3% on first $10,000/mo	3% on first $50,000/mo	4% on first $50,000/mo
Price	Free	$199/year	$999/year	Invitation only
ATM fee	Available (fee not listed)	Available (fee not listed)	Free, up to 10 withdrawals/mo	Free, up to 10 withdrawals/mo
FX fee	~1% + up to 0.5% markup (max ~1.5%)	~1% + up to 0.25% markup (max ~1.25%)	~1%, no markup	~1%, no markup
Requirement	Everyone starts at Core; no paid membership required	5K points to activate and 5K points/mo to maintain; or $15K Liquid; or 30K ETHFI staked; or $199/year	25K points; or $100K Liquid; or 150K ETHFI staked; or $999/year	Invitation only; or $500K Liquid; or 500K ETHFI staked

COSTS

Fees you'll actually meet

Annual fee

Cost to hold the card each year

Free

Core: free · Luxe: $199/year · Pinnacle: $999/year · VIP: by invitation

Monthly fee

Recurring account cost

None

FX spread

Applied on foreign-currency spend

~1–1.5%

~1% base rate, plus up to 0.5% markup on Core and up to 0.25% on Luxe; no markup on Pinnacle or VIP. Purchases charged in EUR are converted at the market rate with no FX markup

ATM withdrawal

Cash withdrawal cost

Free up to 10 withdrawals/mo on Pinnacle and VIP

Crypto conversion

When spending crypto directly

No separate crypto conversion fee published

Issuance fee

One-off cost to get the card

Varies by tier

SPENDING LIMITS

How much you can spend

Published by the issuer. One set of limits applies wherever the card is available.

Ether.fi Cash spending limits by country
Country	Per day
All available regions	$5,000

The daily card spending limit is adjustable.

ATM WITHDRAWAL LIMITS

How much cash you can take out

Each period caps both the number of withdrawals and their total value — you reach whichever comes first. One set of limits applies wherever the card is available.

Ether.fi Cash ATM withdrawal limits by country, showing the maximum number and total value for each period
Country	Within 24 hours
Country	Withdrawals	Total value
All available regions	5	$5,000

Up to $1,000 per withdrawal.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

Self-custodial
Collateral earns yield
3–4% cashback depending on plan
No FX markup on Pinnacle and VIP
Apple Pay and Google Pay
No FX markup on purchases charged in EUR

LOOK ELSEWHERE IF

DeFi complexity
Yield rates variable
Purchases charged in EUR earn 3% on a lower monthly threshold ($800 on Core)

STANDOUT FEATURES

What sets it apart

DeFi-native credit model
Collateral earns yield while you spend
No asset selling required

✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ Self-custody

IN THE NEWS

Latest news & analysis

ABOUT THIS CARD

Common questions

Where can I use the Ether.fi Cash?

The Ether.fi Cash is available in Andorra, Angola, Antigua & Barbuda, Argentina, Australia, Austria, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bolivia, Brazil, British Virgin Islands, Bulgaria, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, France, Germany, Gibraltar, Greece, Guernsey, Guatemala, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Japan, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Maldives, Malta, Mexico, Monaco, New Zealand, Nigeria, Norway, Oman, Palau, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Romania, Saudi Arabia, Seychelles, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, St. Kitts & Nevis, St. Lucia, St. Vincent & the Grenadines, Suriname, Sweden, Switzerland, Taiwan, Thailand, Trinidad & Tobago, Turks & Caicos Islands, UAE, UK, United States (only Alabama, Alaska, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming), Uruguay, Vanuatu.. Acceptance follows the Visa network, so it works anywhere that network is accepted within those regions. Availability by country can change — check the issuer's current list before applying.

Does the Ether.fi Cash have an annual fee?

How much can I earn with the Ether.fi Cash?

The headline rate is Up to 4% (Cashback paid in ETHFI. On USD purchases: 3% on the first $2,000 a month (Core), $10,000 (Luxe) and $50,000 (Pinnacle), then 1%, then 0.5%; VIP earns 4% on the first $50,000 a month. Purchases charged in EUR use lower thresholds: 3% on the first $800 a month (USD equivalent) on Core, $3,000 on Luxe and $16,000 on Pinnacle, then 1%, then 0.1%. ether.fi's terms say it may limit the maximum cashback a user earns per month. Rewards need a $5 minimum to claim and become claimable 7 days after the transaction clears. Your collateral keeps earning DeFi yield while you spend.). Check the card's reward terms for eligible spending, tiers, caps, and any conditions that apply.

Does it work with Apple Pay and Google Pay?

Is this a self-custody card?

Figures on this page come from Ether.Fi Cash Ltd's published card terms and were verified on October 8, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.