A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.
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by the cryptodebitcards editorial desk · review version 4 · prose updated 2026-09-21 · facts as of 2026-09-21 · how we verify
The ether.fi Cash card is a credit card offered by ether.fi, a crypto-native provider, on the Visa network. It is available in both physical and virtual form factors, and is suited for individuals who want to spend their crypto holdings without selling them. The card program was launched in 2023 and is currently active.
The ether.fi Cash card has a $10 fee for the first virtual card in certain regions, and a $50 fee for physical cards. There are no monthly fees, top-up fees, or inactivity fees. The foreign exchange fee is 1%, with additional markup ranging from 0 to 0.5% depending on the membership tier. ATM withdrawals are supported, with a limit of $5,000 per day, and standard ATM and network fees may apply.
The KYC level for the ether.fi Cash card is full, with identity and eligibility checks triggered during sign-up. The onboarding process includes account opening with identity and eligibility checks, and the underlying ether.fi protocol is non-custodial. The availability of the card varies by region.
The ether.fi Cash card supports direct loading of ETH, BTC, USDC, and USDT, as well as in-app conversion of over 250 assets. There is no top-up step, as the card spends either from the user's own balance or from a credit line against their portfolio. The minimum top-up amount is not specified.
The ether.fi Cash card offers a cashback rate of 3%, paid in ETHFI, with caps and tiers depending on the membership level. The cashback is earned on eligible card purchases, trades, and borrowing, and is subject to a 7-day lock after the purchase clears. Travel bookings via ether.fi/travel earn 5% cashback.
The operator of the ether.fi Cash card, ether.fi, is an established liquid-restaking DeFi protocol with a strong reputation. However, the card program is relatively new and separate from the protocol, and there are red flags such as the account protection program not being live yet, and the credit model carrying liquidation risk. The facts provided have been verified, but it is still important to be aware of these risks.
The ether.fi Cash card is a unique offering that allows users to spend their crypto holdings without selling them, with tiered memberships and premium perks. However, it is important to be aware of the risks involved, such as borrowing costs and portfolio volatility. This card may be suitable for individuals who are familiar with crypto and DeFi, and are looking for a flexible spending solution.
| Issuance | Core: one free virtual card (a $10 first-virtual-card fee applies in AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA, TH); physical card $50 for Core (help-center physical-cards FAQ table lists $10 virtual / $100 physical for Luxe and Pinnacle; VIP row cut off in static render). |
|---|---|
| Monthly | none |
| Top-up fee | 0% |
| FX fee | 1% |
| ATM fee | ATM withdrawals supported in most regions: $1,000 per transaction, max 5 per rolling 24h ($5,000/day); 'standard ATM and network fees may apply' - no operator ATM fee % published. ATM use blocked for FATF-blacklist countries (North Korea, Iran, Myanmar). |
| Fine print | Official help center (articles 'updated this week' at fetch): FX = prevailing FX base rate (~1%) plus tier markup - Core 0-0.5%, Luxe 0-0.25%, Pinnacle/VIP none; EUR merchant charges run at 0% FX markup (USDC or EURC, article 2026-06-24). Membership: Core free; Luxe unlock 5K pts/mo or $15K Liquid or 30K ETHFI staked or $199/yr; Pinnacle 25K pts or $100K Liquid or 150K ETHFI or $999/yr; VIP invite-only. No top-up/load fee (no top-up step). Borrow costs depend on loan terms (in-app). Card fees: $10 first virtual card in 14 listed regions, physical $50 (Core). |
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Ready to try ether.fi Cash? Start small: minimum load, one test payment, one withdrawal.
Based on our checks as of 2026-09-21: ether.fi Cash scores 6.3/10 in our weighted review. We logged 3 red flags (listed above). User reports and the operator background are documented with dated sources in the meta-review below.
Yes, full KYC is required during sign-up.
The card charges a $10 fee for the first virtual card in certain regions, a $50 fee for physical cards, and a 1% foreign exchange fee with additional markup.
The card supports direct loading of ETH, BTC, USDC, and USDT, as well as in-app conversion of over 250 assets.
Yes, the card offers a cashback rate of 3%, paid in ETHFI, with caps and tiers depending on the membership level.
The card is available in the US, UK, EEA, APAC, and LATAM regions, although availability varies by region.
The operator, ether.fi, is an established liquid-restaking DeFi protocol with a strong reputation, but there are red flags such as the account protection program not being live yet.
The card is available in both physical and virtual form factors.
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