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  5. Ether.fi Cash Card
Ether.fi Cash Card
Ether.fi Cash Card
ID Verification
Virtual Card Visa
7.8
Overall
Get This Card
Ether.fi Cash Card logo

Ether.fi Cash Card

by Ether.fi

Get This Card

Ether.fi Cash Card is the top-rated DeFi credit card that lets you borrow against crypto collateral at 0% interest during promotions. With up to 3% cashback and yield on deposits, it turns spending into an earning opportunity.

Pros

  • +Up to 3% cashback on all purchases with no category caps
  • +0% borrowing rate during promotional periods
  • +Earn yield on deposited assets via Liquid Vaults
  • +Non-custodial with no late fees or minimum payments
  • +Ranked #1 in The Block's 2025 crypto card rankings

Cons

  • -Must maintain sufficient collateral to avoid liquidation
  • -2% ATM withdrawal fee
  • -Not available in US, India, Indonesia, or Netherlands
  • -Complex for crypto beginners to understand
  • -Newer platform with less established track record
7.8/10
OverallGood
7.7/10
Community ScoreBased on 117 sources
Lv 3
KYC LevelID Verification

Table of Contents

Card Overview

Rewards
Cashback
4%
Cashback Crypto
WETH
Staking Rewards
✓
Staking APR
5%
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
$40
ATM Fee
2%
FX Fee
1%
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
$30,000
Monthly Spend
Unlimited
ATM Withdrawal
$250
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✓
Google Pay
✓
Rewards
Cashback
4%
Cashback Crypto
WETH
Staking Rewards
✓
Staking APR
5%
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
$40
ATM Fee
2%
FX Fee
1%
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
$30,000
Monthly Spend
Unlimited
ATM Withdrawal
$250
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✓
Google Pay
✓

KYC Requirements

Level: ID Verification
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Not Required
Selfie Verification
Not Required

Community Score

7.7/10
Sourced from
@TY Bong“Great experience with ether.fi Cash! Deposits and transfers are both very fast and smooth. The platform is efficient, easy to use, and everything works seamlessly. Really impressed with the speed and overall experience. Highly recommended!”@MING KHEONG“High cashback card would good to try with. VIP card design is amazing.”@pray_eth“Moved to https://www.ether.fi/ and I'm quite happy so far. Very easy onboarding experience, fantastic UI, solid cashback program. Kicking myself for waiting so long tbh...”@0xCheng_2019“The https://www.ether.fi/ card works extremely smooth in Hong Kong! 我觉得https://www.ether.fi/”@tekr0x“i've been testing @ether_fi . i like it. what I don't like: - top-up to revolut or n26 takes a fee (3%). i assume because of US card. - and when paying at some places the POS asks to choose USD or EUR to pay. conversions can get expensive if you are not carefull.”@Irina Chuchkina“I'm a Pinnacle member. Tried ordering "free" physical card, turned out, it costs you $100. Really poor experience. Support was useless - AI agent just apologised for the confusion.”@National-Meal-9618“Best crypto card in Europe right now? (my experience) I’ve tried a few crypto cards and most of them feel like normal banks with a crypto skin. Recently switched to Ether.fi card and honestly it’s different: – 3% cashback – you still earn yield on your crypto – self-custody (this is huge) – Visa Signature perks (travel, protections, etc.) Feels way more “DeFi native” compared to others. If anyone wants to try it, this is the one I’m using: ether.fi/@capirex Curious if anyone here tested it too?”@@ste87nove“Leggo commenti assurdi. Se ragionate in valore assoluto, dati gli importi, si parla di qualche ero di differenza in caso di crolli del token. Quale altra piattaforma ti garantisce i fondi? Resta la migliore, concordo.”@Steve Ng“Swift process for application, also ether.fi is offering lowest fx % fees among other competitors ! Going to get my virtual and physical card real soon !”@Nat“Smooth card transaction and high cashback which can fully cover FX exchange rate, Good.”@Ayman Abrar“I liked that the cards have no rejection rate, in example you are trying to buy a product from a online store then you can simply buy it with etherfi card and it pays smoothly with no rejection and mostly we can have instant assistance from customer support which is awesome for me”@@javivegaonline“Me la presentaron hace un tiempo pero al tener KYC la dejé un poco en la reserva. Buen vídeo!”@znsampabtc“Não utilizem o cartão ether.fi, seu patrimônio será sumariamente drenado e o suporte não funciona. É um absurdo esses influencers financeiros ficarem divulgando esse cartão ether.fi, infelizmente esse cartão sacou indevidamente valores da minha conta, inicialmente eu fiz a compra de 15 euros e depois de 5 euros numa empresa que fornece serviço de telefonia na Italia, e indevidamente, no dia 8 de Agosto, essa mesma empresa cobrou uma nova recarga automaticamente, sendo que a minha conta possui cadastro manual para recarga, não automático e nem mesmo salvei os dados do meu cartão para que fosse ”@@djdanielsoundchannel9676“C'è qualcuno che è riuscito ad ottenere il Cashback spendibile?perché ho sentito da diverse persone che non riescono a prelevarlo ... Boh la promozione del 10% su rifornimento e spesa di agosto non ha funzionato ho letto nei commenti in giro anche di molte altre persone che non sono riuscite a prelevare il Cashback quindi come si fa ?poi l'assistenza dice un sacco di cose inutili o non vere ...”@@alga.83“A parte il cashback in ethfi che non mi piace , mi piace invece la struttura dei tier che sembra fare concorrenza ad Amex che ha la verde , oro, platino e centurion ( che è su invito), hanno copiato i tier e benefit di Amex ( ad esempio carta oro due entrate , carta platino illimitate nelle lounge)”@Guruh Hadi Wibowo“Easy from sign up and the KYC proses, and get your free virtual card. Many option on growing your portofolio beginner, so get yours!”@EzS“Sulla carta, il servizio ether.fi Cash si presenta in modo eccellente: un'app ricca di funzionalità crypto e la grande promessa che spicca di un cashback del 3% sui primi 2.000$ di spesa mensile. Purtroppo, utilizzandola quotidianamente in questi mesi, mi sono reso conto che per chi vive in Italia (e spende in Euro) le regole interne rendono la carta decisamente meno allettante. ​Ecco le problematiche principali che ho verificato. ​Il tetto "nascosto" per l'Euro: Il famoso limite dei 2.000$ al 3% è valido solo per spese native in dollari. Per compensare l'assenza di commissioni sul cambio valu”@Jianlin Zhang“Deposit money for card activation, they send a money request, the money is sent, and it never arrived to my account. Called the support, support refused to recognize the payment, insisting that the payment did not occur, even though I click the link that they sent me.”@CriptoInvest“I paid for my card but I've never received anything then I ask to the customer service to give my money back. I am still waiting but in my opinion I'I've lost the money. Fraudulent Business stay away!!!!!!”

Category Breakdown

KYC Simplicity
7.2/10
Fee Efficiency
7.3/10
Reward Value
7.1/10
App Experience
7.2/10
Support Quality
6.8/10

Features

ContactlessOnline Payments

Supported Cryptocurrencies

ETH iconETHUSDC iconUSDCUSDT iconUSDT