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Ether.fi Cash

by Ether.Fi Cash Ltd · United States

Non-custodial DeFi-native secured credit card. Spend against crypto collateral without selling it. Collateral earns yield while you spend. 2-3% cashback. No credit check required.

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CREDITEther.fi Cash logo
ETHER.FI CASH
Visa
MAX REWARD
Up to 3%
ANNUAL FEE
Free
FX FEE
0%
KEY FACTS

The card at a glance

CARD TYPE
Credit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
Up to 3%
2-3% cashback in USDC; collateral earns DeFi yield while you spend; 250 Reward Points referral bonus
REWARDS IN
USDC, Ether.fi Reward Points
How rewards are paid
FX FEE
0%
On foreign-currency spend
REGION
United States
Where it's available
STAKING
Not required
Lock-up to earn rewards
SIGNUP BONUS
250 Rewards Points referral bonus
Welcome offer
CUSTODY
Self-custody
You hold the keys
REWARDS

Earning Up to 3%

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 Up to 3%, 2-3% cashback in usdc; collateral earns defi yield while you spend; 250 reward points referral bonus, paid in USDC, Ether.fi Reward Points. No staking required for the base rate.

COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0%
ATM withdrawal
Cash withdrawal cost
Free
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
Free

ℹ️ 2-3% cashback in USDC; collateral earns DeFi yield while you spend; 250 Reward Points referral bonus

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF
Self-custodial
Collateral earns yield
2-3% cashback
0% FX fees
Apple Pay and Google Pay
LOOK ELSEWHERE IF
!US only
!DeFi complexity
!Yield rates variable
STANDOUT FEATURES

What sets it apart

DeFi-native credit model
Collateral earns yield while you spend
No asset selling required
No credit check
Apple Pay Google Pay iOS app Android app Self-custody No staking
ABOUT THIS CARD

Common questions

Where can I use the Ether.fi Cash?
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Does the Ether.fi Cash have an annual fee?
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Do I need to stake anything to earn rewards?
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How much can I earn with the Ether.fi Cash?
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Does it work with Apple Pay and Google Pay?
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Is this a self-custody card?
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Figures on this page come from Ether.Fi Cash Ltd's published card terms. 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.

ETHER.FI CASH LTD
Up to 3%
No annual fee · 0% FX
Apply now →
You apply on the issuer's own site. We may earn a referral fee.

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