ether.fi Cash card
ether.fi Cash is a Visa Signature card on a non-custodial smart-account vault: spend USDC or liquidUSD directly (Direct Pay) or borrow against crypto collateral on Aave (Borrow mode). Four membership tiers (Core, Luxe, Pinnacle, VIP) pay 3-4% cashback in ETHFI, stepping down after a monthly spend band; ether.fi also bought selected Zeal assets on Oct-23, 2026.
No partnership: we earn nothing from this card. Checked .
Plans side by side
| Price | ||||
|---|---|---|---|---|
| Monthly price | Free2Everyone starts at Core | —No monthly price; annual purchase or points qualification | —No monthly price; annual purchase or points qualification | —Not for sale |
| Yearly price | Free2 | $1992Or 5K points to activate and 5K points/month to maintain, or $15K in Liquid, or 30K ETHFI staked | $9992Or 25K points, or $100K in Liquid, or 150K ETHFI staked | —Not for sale |
| Virtual card fee | Free4,61 free virtual card; the first virtual card costs $10 in 14 regions (AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA, TH); extra virtual cards $10 each; max 5. Also a $10 deposit or fee is needed before verification | Free4,64 free virtual cards, max 10, then $10 each. Conflict: Membership benefits page lists '2 free' | Free4,610 free virtual cards, max 50, then $10 each | Free4,650 free virtual cards (benefits table says unlimited), max 50 |
| Physical card fee | $504,6No free physical card; $50 each, max 1. Conflict: the Membership benefits page says physical card is 'free; shipping fee applies' | Free4,61 free physical (metal, purple) card, max 2; extra $100. Free shipping on Luxe and above | Free4,62 free physical metal (black) cards, max 4; extra $100 | Free4,62 free physical gold metal cards, max 2 |
| Shipping | Shipping fee applies; amount shown in app3Amount not published | Free3,4 | Free; express shipping included3,4 | Free; express shipping included3,4 |
| Replacement | Replacement cards may incur fees depending on tier and shipping location44Amount not published | Replacement cards may incur fees depending on tier and shipping location44Amount not published | Replacement cards may incur fees depending on tier and shipping location44Amount not published | Replacement cards may incur fees depending on tier and shipping location44Amount not published |
| Staking needed | 02 | 30,000 ETHFI2Alternative to buying or points; no lockup | 150,000 ETHFI2Alternative to buying or points; no lockup | 500,000 ETHFI2Fast-track route; no lockup |
| Other requirements | KYC; $10 initial top-up or virtual card fee before card verification11,15 | Any one of: 5K points, $15K gross Liquid holdings, 30K staked ETHFI, or $199/yr purchase2 | Any one of: 25K points, $100K gross Liquid holdings, 150K staked ETHFI, or $999/yr purchase2 | Fast-track: $500K gross Liquid holdings or 500K staked ETHFI. The card benefits page also describes VIP as invitation only2,4 |
| Rewards | ||||
| Cashback | 3%1,33% on first $2,000 monthly spend, 1% on $2,001-$3,000, 0.5% above. EUR purchases: 3% on first $800 (USD equivalent), 1% to $1,500, 0.1% above | 3%1,33% on first $10,000 monthly spend, 1% on $10,001-$20,000, 0.5% above. EUR: 3% on first $3,000, 1% to $6,000, 0.1% above | 3%1,33% on first $50,000 monthly spend, 1% on $50,001-$80,000, 0.5% above. EUR: 3% on first $16,000, 1% to $26,000, 0.1% above | 4%34% on the first $50,000 monthly spend; EUR 4% on first $16,000 (USD equivalent). Step-down rates above those bands are not published |
| Paid in | ETHFI1Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center | ETHFI1Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center | ETHFI1Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center | ETHFI1Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center |
| Earns on | Approved card purchases; trades and borrows also earn cashback1USD and EUR share one monthly spend counter | Approved card purchases; trades and borrows also earn cashback1 | Approved card purchases; trades and borrows also earn cashback1 | Approved card purchases; trades and borrows also earn cashback1 |
| No cashback on | ATM withdrawals and cash advances, P2P payments, Currency exchange, Tax payments, Gift cards and stored-value, Money orders and cash equivalents, MCC 6,011, 6,012, 6,211, 6,513, 6,532, 7,995 (gambling)1Refunds and reversals can claw back the cashback | ATM withdrawals and cash advances, P2P payments, Currency exchange, Tax payments, Gift cards and stored-value, Money orders and cash equivalents, MCC 6,011, 6,012, 6,211, 6,513, 6,532, 7,995 (gambling)1Refunds and reversals can claw back the cashback | ATM withdrawals and cash advances, P2P payments, Currency exchange, Tax payments, Gift cards and stored-value, Money orders and cash equivalents, MCC 6,011, 6,012, 6,211, 6,513, 6,532, 7,995 (gambling)1Refunds and reversals can claw back the cashback | ATM withdrawals and cash advances, P2P payments, Currency exchange, Tax payments, Gift cards and stored-value, Money orders and cash equivalents, MCC 6,011, 6,012, 6,211, 6,513, 6,532, 7,995 (gambling)1Refunds and reversals can claw back the cashback |
| Vesting | 7-day lock after the purchase clears, then claimable; minimum $5 claimable balance1,22 | 7-day lock after the purchase clears, then claimable; minimum $5 claimable balance1,22 | 7-day lock after the purchase clears, then claimable; minimum $5 claimable balance1,22 | 7-day lock after the purchase clears, then claimable; minimum $5 claimable balance1,22 |
| Points | Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.2Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing | Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.2Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing | Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.2Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing | Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.2Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing |
| Perks | Visa Signature benefits (purchase protection $10,000, price protection $2,000, extended warranty $10,000, auto rental insurance), Visa Concierge, Airport lounge: not included, ether.fi Travel: 5% plus up to 65% off hotels and flights, eSIM discounts (GigSky), Global Blue VAT refunds, Cash Protection Program up to $10,000 (not yet live)3,4,21,26 | Category Cashback: 10% on named subscriptions (AI, streaming, food and more), up to $10/month, Airport lounge: 2 single-visit passes per year with 100% cashback up to $49 each (from Oct-20, 2026), Metal card, Visa Signature benefits, ether.fi Travel: 5% plus up to 65% off, Cash Protection Program up to $50,000 (not yet live)3,25,26,4,21 | Category Cashback: 20% on named subscriptions, up to $20/month, Airport lounge: unlimited single-visit passes (100% cashback up to $49 each, one per day), Airport fast track: 25% cashback up to $25/yr, Dedicated account manager team, Black metal card, Visa Signature benefits, Cash Protection Program up to $200,000 per the program page (benefits table says $100,000), not yet live3,25,26,21 | Category Cashback: 30% on named subscriptions, up to $30/month, Airport lounge: unlimited single-visit passes, Airport fast track: 25% cashback up to $50/yr, Executive support from the CEO and team, Ventures access (curated deal flow), Gold metal card, Virtual and physical card fees $0, Cash Protection Program up to $500,000 (not yet live)3,25,26,4,21 |
| Fees | ||||
| FX fee | 1.5%8,341% base FX fee plus 0.5% Core margin; EUR-denominated purchases have 0% FX markup (beta) | 1.25%8,341% base plus 0.25% Luxe margin; EUR purchases 0% FX markup (beta) | 1%8,341% base FX fee, no added margin; EUR purchases 0% FX markup (beta) | 1%8,341% base FX fee, no added margin; EUR purchases 0% FX markup (beta) |
| Top-up fee | 0%31ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees) | 0%31ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees) | 0%31ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees) | 0%31ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees) |
| Free ATM a month | Free, up to 10 withdrawals per month3Fee after 10 not published | Free, up to 10 withdrawals per month3Fee after 10 not published | Free, unlimited withdrawals3 | Free, unlimited withdrawals3 |
| Limits | ||||
| Spend limit a day | $5,0006Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000 | $5,0006Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000 | $5,0006Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000 | $5,0006Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000 |
| Spend limit a month | $10,0006Default monthly vault (account-wide) limit, user-editable | $10,0006Default monthly vault (account-wide) limit, user-editable | $10,0006Default monthly vault (account-wide) limit, user-editable | $10,0006Default monthly vault (account-wide) limit, user-editable |
| ATM limit a day | $25,0005Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier | $25,0005Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier | $25,0005Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier | $25,0005Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier |
Real payments
What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.
What you keep
$1,000 a month, 20% in a foreign currency, no staking. Change
Trust
Card issued by Third National under a Visa licence. ether.fi itself is a Cayman company without a licence of its own.34,35
Self-custody Safe smart account; ether.fi says it cannot move funds. The exploit protection program is not live yet.24,21
No freezes, hacks or shutdowns found. Chain migration and the Zeal asset purchase went without user impact; the Sep-2026 loss of the MEXC cashback bonus was a terms change, not a failure.46,37,56
$1.03B on-chain spend tracked by Paymentscan. Card launch date not published.41
Fees and tiers published in the help center, but pages disagree on free cards and the physical card price.24
Company
Issuer and licence
The card
Funding
Payments
Where it works
Account
Security
App
Reputation
Adoption
Referrals
Incidents and changes
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More details
Quick answers
What does the ether.fi Cash card cost?
The Core plan: Free a month, $50 for a physical card.
How much cashback does the ether.fi Cash card pay?
3% on the Core plan, paid in ETHFI.
What is the ether.fi Cash card FX fee?
1.5% on the Core plan.
Is the ether.fi Cash card custodial?
Self-custody. Non-custodial Safe smart account owned by a Turnkey signer (keys in secure enclaves); ether.fi says it cannot move funds. Private-key export not yet available
Is the ether.fi Cash card available in the US, the UK and the EEA?
US: yes. UK: yes. EEA: yes.
How much do you keep with the ether.fi Cash card?
$131 a year on the Core plan at $1,000 a month with 20% in a foreign currency, after every fee.
Sources
- How does cashback work?, issuer, Nov-05, 2026
- How do Membership levels work?, issuer, Nov-05, 2026
- Membership level benefits, issuer, Oct-25, 2026
- What are the benefits of a personal Cash credit card?, issuer, Oct-25, 2026
- ATM withdrawal limits for personal Cash cards, issuer, Oct-25, 2026
- Managing your card and vault limits, issuer, Oct-25, 2026
- In which countries is the Cash card available?, issuer, Oct-25, 2026
- FX rate used on Cash transactions, issuer, Nov-05, 2026
- EUR purchases 0% FX rate, issuer, Oct-25, 2026
- Why is there a $10 fee for my first virtual Cash card?, issuer, Oct-25, 2026
- Why an initial $10 deposit before verification, issuer, Oct-25, 2026
- Physical cards, issuer, Oct-25, 2026
- Borrow mode vs Direct Pay mode, issuer, Oct-25, 2026
- How does collateral and borrowing work?, issuer, Oct-25, 2026
- KYC process and requirements, issuer, Oct-25, 2026
- Add card to Apple Wallet or Google Pay, issuer, Oct-25, 2026
- Affiliate Program, issuer, Oct-25, 2026
- 3D Secure one-time payment code, issuer, Oct-25, 2026
- Cash card FAQ, issuer, Oct-25, 2026
- Transaction limits for different MCCs, issuer, Oct-25, 2026
- ether.fi Cash Protection Program, issuer, Oct-25, 2026
- Why is my cashback locked and when can I claim it?, issuer, Oct-25, 2026
- Supported assets and networks for Vault top-ups, issuer, Oct-25, 2026
- What is my Cash Vault and how does it work?, issuer, Oct-25, 2026
- How does Category Cashback work?, issuer, Oct-25, 2026
- Airport lounge access, issuer, Oct-25, 2026
- Benefits of a corporate Cash credit card, issuer, Oct-25, 2026
- Cashback for corporate accounts, issuer, Oct-25, 2026
- Understanding your Cash card refunds, issuer, Oct-25, 2026
- Transactions at gas stations, issuer, Oct-25, 2026
- Fund your Vault with crypto, issuer, Oct-25, 2026
- Send and receive EUR via SEPA, issuer, Oct-25, 2026
- Fedwire and ACH transfers (USD), issuer, Oct-25, 2026
- ether.fi Cash Cardholder Agreement - Ltd. (International), last modified Sep 8, 2026, issuer, Oct-25, 2026
- ether.fi: Crypto Card & Spend (App Store, data via iTunes Search API), app store, Oct-25, 2026
- ether.fi reviews on Trustpilot, trustpilot, Oct-25, 2026
- Ether.fi acquires selected Zeal assets and enables in-app migration, press, Oct-25, 2026
- ether.fi on X: ether.fi acquires @zealwallet, issuer, Oct-25, 2026
- Ether.Fi raises $5.3 million in funding, press, Oct-25, 2026
- Mike Silagadze's Ether.fi raises US$23M Series A, press, Oct-25, 2026
- Paymentscan: ether.fi card, paymentscan, Oct-25, 2026
- Ether Fi Card Crosses $1 Billion in Total Spending, press, Oct-25, 2026
- How do I change my language in Cash?, issuer, Oct-25, 2026
- How do I freeze or block my card?, issuer, Oct-25, 2026
- Passkey sign-in troubleshoot, issuer, Oct-25, 2026
- Latest ether.fi news (CoinMarketCap), press, Oct-25, 2026
- ether.fi Cash Card Review: Cashback, Fees & Countries, other, Oct-25, 2026
- Building crypto's Revolut inside ether.fi (Alea Research podcast digest), other, Oct-25, 2026
- How do I claim an ether.fi Tag and pay someone with it?, issuer, Oct-25, 2026
- Visa Benefits Portal with retail Cash cards, issuer, Oct-25, 2026
- ether.fi Travel, issuer, Oct-25, 2026
- ether.fi Help Center (home), issuer, Oct-25, 2026
- Ether.fi upgrades neobank with stocks and 4% loans, press, Oct-25, 2026
- How to get eSIM discounts with your Cash card, issuer, Oct-25, 2026
- In which countries are bank transfers available?, issuer, Oct-25, 2026
- Finek channel post, Sep-12, 2026: ether.fi changes conditions, community, Nov-05, 2026
Something wrong or out of date? Report it with a source.