Editor's choice
An editorial pick from personal use; it does not change the rating. How we pick
ether.fi Cash
ether.fi Cash is a self-custody Visa credit card: assets stay in your own Safe wallet, and you either spend USDC directly or borrow against your crypto. The free Core plan pays 3% back in ETHFI on the first $2,000 a month and works in about 90 countries.
- Visa
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Physical card
- Self-custody
Good
- Self-custody: assets stay in your own Safe wallet until you spend
- 3% cashback on the first $2,000 a month on the free Core plan
- No FX fee on EUR purchases; low markup elsewhere
- High limits: $100,000 a day and $1,000,000 a month on Core
- Visa purchase, warranty and price protection on every plan
Watch out
- Cashback is paid in the ETHFI token, locked for 7 days, minimum $5 claim
- Borrow Mode charges variable interest from day one, with no grace period
- Physical card costs $60 on Core
- Not available in India, the Netherlands, Türkiye, Vietnam, Russia or China
Key facts
- Card price
- Freevirtual
- Cashback
- 3%on the first $2,000 a month
- Annual fee
- Free
- Top-up fee
- Free
- FX fee
- Up to about 1.5% on Core; 0% on EUR
- Daily spend limit
- $100,000
Rewards
| Cashback | 3% on the first $2,000 a month, in ETHFI |
|---|---|
| Paid in | ETHFI |
| Monthly bands (entry plan) | 3% up to $2,000; 1% up to $3,000; 0.5% above $3,000 |
| Payout | Calculated in USD, converted to ETHFI at clearing, locked 7 days, then claimed (minimum $5). Refunds reverse the cashback. |
| Referral | 0.1 to 0.3% of your referrals' spend, paid in USDC. |
Conditions
- Bands reset each calendar month; USD and EUR spend share one counter
- EUR bands on Core: 3% to €800, 1% to €1,500, 0.1% above
- Luxe: 3% to $10,000; Pinnacle: 3% to $50,000; VIP (invite only): 4% to $50,000
No cashback on
- ATM and cash advances
- P2P and currency exchange
- Taxes and government payments
- Gift cards and money orders
- Brokers, crypto and gambling (MCC 6011, 6012, 6211, 6513, 6532, 7995)
Perks
- 5% back on ether.fi travel bookings and up to 65% off hotels and flights, all plans
- Visa purchase protection up to $10,000, extended warranty up to $10,000, price protection up to $2,000
- Balance and identity theft protection on every plan
- Airport Companion, eSIM discounts and the Visa Benefits Portal
- Subscription discounts from 10% (Luxe) to 30% (VIP)
Promotions
- Luxe or higher access through a referral with a $100+ deposit (temporary)* (no end date given)
Fees, limits and card details
| Virtual card | FreeFirst virtual card is free on Core; $10 in 14 countries with regional pricing |
|---|---|
| Physical card | $60Core, delivery included; free on Luxe, Pinnacle and VIP |
| Delivery | FreeIncluded in the card price |
| Monthly fee | Free |
| Annual fee | FreeCore plan |
| Foreign currency (FX) | Up to about 1.5% on Core; 0% on EURVisa base rate about 1% plus a plan markup: Core 0 to 0.5%, Luxe 0 to 0.25%, Pinnacle and VIP 0 |
| Top-up | FreeDeposits go to your own vault; network gas may apply |
| ATM withdrawal | 2%*Free on Pinnacle and VIP; the help centre does not state the fee |
| Borrow Mode interest | Variable (Aave markets), charged from day one* |
| Extra physical card | $50 on Core, $100 on Luxe and Pinnacle* |
| Extra virtual card | $10* |
| Fiat on-ramp | 0.2% plus rail fees* |
- First virtual card costs $10 in Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, the Philippines, South Africa and Thailand.
- Refunds convert at the rate on the settlement day.
| Spending, per day | $100,000*Account limit shown in the app on Core; the help centre default per card is $5,000 a day |
|---|---|
| Spending, per month | $1,000,000*Account limit shown in the app on Core |
| ATM, per transaction | $1,000* |
| ATM, per day | $5,000 and 5 withdrawals per rolling 24 hours* |
- Vault default: $10,000 a day and $10,000 a month, editable in the app.
- Limits per merchant category exist but were not checked.
- ATM withdrawals are not possible in North Korea, Iran and Myanmar.
| Provider | ether.fi |
|---|---|
| Network | VisaVisa Signature. |
| Card type | CreditTwo spending modes: Direct Pay spends USDC with no interest; Borrow Mode uses vault assets as collateral. |
| Custody | Self-custodyAssets stay in your Safe smart wallet; settlement runs on OP Mainnet, gas-free. |
| Formats | Virtual card, Physical card |
| Currencies | USD |
| Issuer | Third NationalNamed by DefiLlama; a Telegram report names Nimbus LLC. |
| Cards per account | Core: 5 virtual and 1 physical. Luxe: 10 and 2. Pinnacle: 50 and 4. VIP: 50 and 2. |
| Wallets | Apple Pay: Yes; Google Pay: Yes |
| Required | KYC required |
|---|---|
| What you provide | Government ID; Video selfie; Address |
- Identity and eligibility checks at signup; separate cardholder agreements for US and international members.
- A Telegram report describes two steps: Sumsub for the card and Persona for the account.
Official links
* Not confirmed by the provider
Availability
Available (88)
Andorra, Angola, Antigua & Barbuda, Argentina, Australia, Austria, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Bolivia, Brazil, British Virgin Islands, Bulgaria, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Guyana, Honduras, Hong Kong, Hungary, Iceland, Indonesia, 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 & Grenadines, Suriname, Sweden, Switzerland, Taiwan, Thailand, Trinidad & Tobago, Turks & Caicos Islands, United Arab Emirates, United Kingdom, Uruguay, Vanuatu
Limited
Belgium, Ireland. Accepted without a physical card.
United States. Physical card in 31 US jurisdictions only.
US states (31): 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.
If a country is not on the list you cannot apply. The list may change for regulatory reasons.
Not on the list: India, the Netherlands, Türkiye, Vietnam, Russia and China.
Supported cryptocurrencies
- USDC
- LiquidUSD
- USDT
- EURC
- frxUSD
- eUSD
- wETH
- weETH
- eBTC
- wHYPE
- ETHFI
- OP
Supported networks
- OP Mainnet
Bank and card top-ups
ACH, Fedwire.
- Direct Pay spends USDC first, then LiquidUSD; the order can be changed.
- Borrow Mode accepts vault assets as collateral, from 90% LTV for stablecoins to 20% for ETHFI and OP (third-party summary).
- Settlement moved from Scroll to OP Mainnet in April 2026.
Plans
| Corerated planFree | Luxe$199 a year, or 5K points a month, $15K in Liquid, or 30K ETHFI held | Pinnacle$999 a year, or 25K points, $100K in Liquid, or 150K ETHFI | VIPInvite only, after $500K in Liquid or 500K ETHFI | |
|---|---|---|---|---|
| Cashback | 3% up to $2,000 a month | 3% up to $10,000 | 3% up to $50,000 | 4% up to $50,000 |
| Physical card | $60 with delivery | 1 free | 1 free, priority | 1 free, priority |
| FX markup | 0 to 0.5% | 0 to 0.25% | 0% | 0% |
| Free ATM withdrawals | No | No | Yes | Yes |
| Free virtual cards | 1 | 2 | 10 | Unlimited |
| Subscription discount | None | 10% (up to $10 a month) | 20% ($20) | 30% ($30) |
| Airport lounges | Unknown | 2 free visits | Unlimited | Unlimited |
| Support | Unknown | Unknown | Personal manager (Telegram, WhatsApp) | Company leadership |
Corerated plan
Free
- Cashback
- 3% up to $2,000 a month
- Physical card
- $60 with delivery
- FX markup
- 0 to 0.5%
- Free ATM withdrawals
- No
- Free virtual cards
- 1
- Subscription discount
- None
Luxe
$199 a year, or 5K points a month, $15K in Liquid, or 30K ETHFI held
- Cashback
- 3% up to $10,000
- Physical card
- 1 free
- FX markup
- 0 to 0.25%
- Free ATM withdrawals
- No
- Free virtual cards
- 2
- Subscription discount
- 10% (up to $10 a month)
- Airport lounges
- 2 free visits
Pinnacle
$999 a year, or 25K points, $100K in Liquid, or 150K ETHFI
- Cashback
- 3% up to $50,000
- Physical card
- 1 free, priority
- FX markup
- 0%
- Free ATM withdrawals
- Yes
- Free virtual cards
- 10
- Subscription discount
- 20% ($20)
- Airport lounges
- Unlimited
- Support
- Personal manager (Telegram, WhatsApp)
VIP
Invite only, after $500K in Liquid or 500K ETHFI
- Cashback
- 4% up to $50,000
- Physical card
- 1 free, priority
- FX markup
- 0%
- Free ATM withdrawals
- Yes
- Free virtual cards
- Unlimited
- Subscription discount
- 30% ($30)
- Airport lounges
- Unlimited
- Support
- Company leadership
The ether.fi personal page says full terms are coming; existing cards work as described here.
Community review
App Store
4.9 out of 5 from 398 ratings
App: ether.fi: Crypto Card & Spend
Our rating
7.8 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 7.2 | 2.02 |
| Cheapest card$0 | 20% | 10.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up cost0% | 20% | 10.0 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX cost1.5% | 15% | 3.0 | |
| ATM cost2% | 10% | 4.0 | |
| Rewards | 18% | 9.0 | 1.62 |
| Cashback at $1,000 a month3% | 75% | 9.6 | |
| Reward currencyETHFI | 15% | 5.0 | |
| Perks5 | 10% | 10.0 | |
| Availability | 14% | 8.3 | 1.16 |
| Countries89.5 countries | 70% | 7.5 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 8.1 | 0.57 |
| Spending capacity a day$100,000 | 70% | 7.3 | |
| Cash a day$5,000 | 30% | 10.0 | |
| Custody | 7% | 10.0 | 0.70 |
| Track record | 7% | 6.0 | 0.42 |
| AgeUnknown | 50% | 2.0 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 9.0 | 0.54 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 5.0 | 0.25 |
| Networks1 | 50% | 0.0 | |
| Coins12 | 50% | 10.0 | |
| App ratings | 3% | 10.0 | 0.30 |
| Total | 100% | 7.78 = 7.8 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Create an ether.fi account and pass the identity and eligibility checks.
- Deposit USDC (or other supported assets) into your vault.
- Pick Direct Pay or Borrow Mode and set your spending limits in the app.
- Use the free virtual card at once, or order the physical card ($60 on Core).
Questions
What is the difference between Direct Pay and Borrow Mode?
Direct Pay spends USDC from your vault first, then LiquidUSD, with no interest. Borrow Mode lets you spend against any vault asset as collateral; interest is variable (Aave markets), starts immediately, and refunds do not repay the loan automatically.
How much does the ether.fi Cash card cost?
Getting a ether.fi Cash card is free. Annual fee: Free. Top-up fee: Free.
Does ether.fi Cash pay cashback?
3% on the first $2,000 a month, in ETHFI. At $1,000 of spend a month on the entry plan that works out to about 3%. Calculated in USD, converted to ETHFI at clearing, locked 7 days, then claimed (minimum $5). Refunds reverse the cashback.
Does ether.fi Cash require KYC?
Yes, ether.fi Cash requires identity verification before you get the card. Identity and eligibility checks at signup; separate cardholder agreements for US and international members.
Is ether.fi Cash available in the US?
Partly: Physical card in 31 US jurisdictions only.
Can I add ether.fi Cash to Apple Pay or Google Pay?
Yes, ether.fi Cash works with Apple Pay and Google Pay.
Which coins and networks can I use to top up ether.fi Cash?
Coins: USDC, LiquidUSD, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, wHYPE, ETHFI, OP. Networks: OP Mainnet.
What are the ether.fi Cash spending limits?
Per day: $100,000. Per month: $1,000,000.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Apple App Store listing
- Official website and plan comparison
- Official help centre
- Official app (spending limits screen)
- DefiLlama
- PaymentScan
- Third-party guides
- Telegram reports
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.