Ether.fi Cash Card Review 2026

Name: Ether.fi Cash Card
Brand: Visa
Availability: InStock

Last reviewed September 2026 · Fact-checked September 21, 2026 against issuer documentation

4.9 / 5.0Sweepbase rating

How this rating is calculated · Algorithmic score, not user reviews

Affiliate partner · Editor’s PickWe may earn a commission if you sign up through our link. This has zero effect on the card’s rating. How this works · Disclosure

Independently reviewed by Mihail B. · how we verify

CustodySelf-custody

NetworkVisa Signature

CashbackUp to 3% cashback on Core, Luxe and Pinnacle (4% on VIP), paid in ETHFI since September 2026: help 262374 (12 Sep 2026) says every qualifying transaction "earns cashback in ETHFI. This will display in your assets list as ETHFI", converted at the ETHFI price when the purchase clears, then locked for 7 days; a minimum of $5 in cashback is needed to claim (help 825725). Before this change cashback landed as USDC (our July 2026 purchase paid back USDC). Monthly ladders: Core 3% to $2,000, 1% to $3,000, 0.5% above; Luxe 3% to $10,000, 1% to $20,000, 0.5% above; Pinnacle 3% to $50,000, 1% to $80,000, 0.5% above; VIP 4% to $50,000. Euro purchases earn on a shorter ladder measured in USD equivalent: Core 3% to $800, 1% to $1,500, 0.1% above (Luxe $3,000/$6,000, Pinnacle $16,000/$26,000), and USD and EUR share one monthly counter. Luxe and above add category cashback on named subscriptions (10% up to $10 a month on Luxe, 20%/$20 Pinnacle, 30%/$30 VIP, help 823083) and 25% on airport fast-track fees up to $25 a year (823119). Tiers are earned monthly with points (Luxe 5K to activate and 5K a month to keep, Pinnacle 25K per help 303625; help 303623 still prints 10K and 50K), by staking 30,000 ETHFI for Luxe or 150,000 for Pinnacle (help 429651), by a Liquid deposit of $15K/$100K, or by paying $199/$999 a year. Points earn at 1.5 per $1k staked per day, 10 per $1k in Liquid per day, 1,000 per $1k of card spend and 5 per 1K ETHFI staked per day (303625). read 12 September 2026

RegionsAbout 90 countries per help 758780: most of Europe excluding the Netherlands, Finland, Estonia and Hungary; the UK; the Americas excluding 17 US states; UAE, Saudi Arabia, Bahrain, Hong Kong, Japan, South Africa and selected Asia-Pacific. Not offered in India, Israel, Turkey, Ukraine, Vietnam, China, Russia and the other jurisdictions on the unsupported list. Belgium and Ireland get virtual cards only

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Card Overview

Collateral stays on-chain while you spend. The first major credit card we've used where that's true, and we hold this one. The 3% rate is real: a $5.00 charge paid back exactly $0.15 in July 2026, and it arrived as USDC. Since 12 September 2026 the help centre says cashback "earns in ETHFI", converted at the token price when the purchase clears, locked for seven days, and claimable only once $5 has built up, so the dollar value of a month's rewards now moves with ETHFI between the purchase and the claim. What the headline also hides is the ladder underneath it. Core pays 3% on the first $2,000 of monthly spend, 1% to $3,000, then 0.5% above that, so heavy months blend down fast. Luxe and Pinnacle push the 3% band out to $10,000 and $50,000, but the tier is not yours to keep: points reset every calendar month and Luxe wants 5,000 points again (one fees article still prints 10,000), unless you stake 30,000 ETHFI, park $15,000 in Liquid, or pay $199 a year for it outright. Euro purchases carry 0% FX, a benefit ether.fi only put in writing at the end of June 2026 and still ships with a beta label attached, paid for by a shorter cashback ladder that tapers after the first $800 of euro spend. Everything outside dollars and euros runs about 1%, and Core adds up to half a point on top of that. In Direct Pay the money keeps earning until the moment it is spent; Borrow Mode instead draws credit against collateral at a variable rate the issuer does not print, described in one article as Aave v4 markets and in another as ether.fi's own lending market, and that interest is real too. The card also declines age-restricted merchants: we had alcohol and tobacco shops refused across several European countries, same category every time. Available in about 90 countries on the issuer's list, 75 of which we list individually; the Netherlands, Finland, Estonia, Hungary and 17 US states are excluded. Best fit: DeFi-native spenders who already hold productive collateral, would rather borrow against it than sell it, and are happy to be paid in ETHFI.

Editor’s note by Mihail B. · Founder & Editor

Reviewed September 2026 Tested hands-on

Ether.fi Cash is the first credit card I've tried where my collateral stayed on-chain while I was paying for lunch. The 3% cashback on the first $2K of Core spending is real, but since September 2026 it lands as ETHFI with a 7-day lock and a $5 claim minimum rather than as USDC, so what you get depends on the ETHFI price when you claim. The borrow rate is real too, variable and set by Aave v4 markets rather than fixed, so you need to pay the balance down like an actual credit card. I ran the Luxe metal tier for two months in Berlin. The roughly 1% FX outside dollars and euros is fine on paper, and their help article dated 24 June 2026 says ether.fi now applies zero FX markup on euro purchases; the catch is that euro spending earns on a reduced cashback ladder (3% only up to €800 a month, then it falls fast), and a native EUR balance still isn't live, so euros settle from a dollar balance. The help centre changed the payout asset on 12 September 2026: my July purchase paid back USDC, purchases now pay ETHFI. If you understand what a Gnosis Safe is and why borrowing beats selling, this card earns its keep. The tier is not something you earn once. Club Tian resets every calendar month, so Luxe wants 10,000 points again each month; mine landed at 10,867 with three days left in July. Points come from two places, not one. Of my 10,867 this month, 5,707 came from card spend and 5,159 from simply holding sETHFI and LiquidUSD, so about half the tier was earned without buying anything. The rates are published but easy to misread. Staking pays 3 points a day per $1,000 and Liquid pays 9, while sETHFI sits on its own scale at 20 a day per 1,000 tokens. Note the unit: sETHFI is counted in tokens, not dollars, so my 8,973 of it earned 179 points a day regardless of where the price went, and that alone covered 4,874 of the month. Holding or staking 15K ETHFI unlocks Luxe outright and skips the points entirely. Luxe also raises the fiat to crypto transfer allowance to $50K a month at 0.2%, against $10K on Core and $200K on Pinnacle. Read that cap as a limit on moving money in and out, not on what the card lets you spend. Spending limits are your own to set: you pick the ceiling in the app, and the tier headroom above it is far larger than anything I would leave open on a card. Read the 3% rate as a rate you re-qualify for, not one you own. Day to day it runs close to faultless, with one exception: shops selling alcohol and tobacco. It happened to me in several countries across Europe and never at the same merchant twice, which rules out one badly coded shop: what the card refuses is the age-restricted category itself. The decline mail calls it a high-risk category and points you at a help article about it. One thing worth knowing before you fund it: in May they suspended my card as suspected cashback farming, which I was not doing. Support handled it properly, ran a check and lifted the suspension in under 24 hours, and the only real cost was having the card reissued. What matters more is what happened while it was suspended. I pulled every dollar out on-chain straight away. The card stops, the vault does not, so even if the appeal had gone the other way the money would never have been stuck. That is the practical difference between a self-custody card and a custodial one, and you only find it out when something breaks. On the numbers, a $5 charge on 27 July paid back $0.15, so the 3% is exactly 3%.

Read our latest guideBybit Card vs Ether.fi Cash 2026 — Which Is Better?

This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.

Fees & Limits

Issuance Fee	First virtual card free (Core 1, Luxe 4, Pinnacle 10 per help 304368; help 776152 prints Luxe 2), additional virtual $10; physical: none free on Core, 1 metal free on Luxe, 2 on Pinnacle; an additional physical card costs $50 on Core and $100 on Luxe and Pinnacle (help 376356 and 304368, 11 Sep 2026; help 776152 says Core "Free; shipping fee applies", so price the $50). Delivery "within 15+ business days", Pinnacle 1 to 3 business days; cancellation only within 24 hours (help 829813). Card fees are deducted from the account balance. read 12 September 2026
Annual Fee	Free; Luxe and Pinnacle can be bought outright at $199/year and $999/year instead of earning them with points (help 303625, 8 Sep 2026)
FX Fee	0% FX markup on USD and EUR purchases; other currencies pay roughly 1% base FX plus a membership-tier margin of up to 0.5% (Core 0-0.5%, Luxe 0-0.25%, none on Pinnacle and VIP — help.ether.fi articles 304414 and 303623, so a Core holder pays about 1-1.5%, not a flat 1%). EUR 0% is documented from 24 Jun 2026 ("ether.fi now applies zero FX markup") and ether.fi still labels the feature beta; the card account is USD-based with native EUR support promised soon, though EURC can be held as the spending token. FX still applies if the merchant charges a third currency or the terminal runs dynamic currency conversion (checked 2026-07-29)
ATM Limit	$1,000 per transaction, maximum 5 withdrawals per rolling 24 hours ($5,000 total) per help 303623 (9 Sep 2026); Luxe and above: free, up to 10 withdrawals a month (help 776152). Was $500 and 3 withdrawals until August 2026
Spending Limit	Self-set in-app. Defaults per help 330661 (5 Aug 2026): daily card limit $5,000, daily vault limit $10,000, monthly vault limit $10,000, all adjustable by the cardholder. Weekly caps by merchant category: $500 (crypto, gambling, cash-like), $1,000 (securities, dating), $3,000 (wallets, pharmacies, government) per help 827177 (10 Sep 2026)

These figures can change. Confirm the current fees, FX and network in Ether.fi Cash’s official terms before you apply.

Features

Card Type: Virtual + Physical
Top up with: USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer)
Available Countries: United States, Canada, Mexico, Brazil, Argentina, Chile, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Guatemala, Guyana, Honduras, Panama, Paraguay, Peru, Uruguay, Antigua and Barbuda, Bahamas, Barbados, Belize, Bolivia, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Suriname, Trinidad and Tobago, Puerto Rico, United Kingdom, France, Germany, Italy, Portugal, Spain, Belgium, Austria, Switzerland, Poland, Czech Republic, Denmark, Croatia, Cyprus, Greece, Ireland, Luxembourg, Romania, Slovakia, Slovenia, Sweden, Bulgaria, Latvia, Andorra, Iceland, Malta, Lithuania, Gibraltar, Hong Kong, Japan, Thailand, South Korea, Taiwan, Singapore, Indonesia, Malaysia, Philippines, Bangladesh, Australia, New Zealand, Saudi Arabia, United Arab Emirates, Bahrain, South Africa, Angola

Who issues the Ether.fi Cash Card

The Ether.fi Cash Card is issued by Third National (Nimbus LLC), USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below.

Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters

Supported Cryptocurrencies

You can load the Ether.fi Cash Card with crypto; the 6 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.

Networks & deposit details: Ethereum and Base networks (eETH, LiquidUSD, USDC, supported crypto)

USDCUSD CoinUSDTTetherETHEthereumBTCBitcoinSOLSolanaTRXTRON

Who Is the Ether.fi Cash Card Best For?

The Ether.fi Cash Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.

The Ether.fi Cash Card pays up to 3% cashback on eligible purchases, so it works well as a daily spending card.

The card is currently available in About 90 countries per help 758780: most of Europe excluding the Netherlands, Finland, Estonia and Hungary; the UK; the Americas excluding 17 US states; UAE, Saudi Arabia, Bahrain, Hong Kong, Japan, South Africa and selected Asia-Pacific. Not offered in India, Israel, Turkey, Ukraine, Vietnam, China, Russia and the other jurisdictions on the unsupported list. Belgium and Ireland get virtual cards only, so it works for residents and travellers in those areas.

Best for

Frequent spenders who want to earn up to 3% cashback
DeFi users who want to hold their own keys
US residents who want a crypto spending card
Budget-minded users (no issuance or annual fee)

Avoid if

Compare the Ether.fi Cash Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.

Pros & Cons

Pros

True non-custodial credit card; borrow against DeFi collateral; earn yield while spending; cashback in ETHFI with a 7-day lock; Visa Signature benefits ($10k protection); physical cards: plastic (Core), purple metal (Luxe), black metal (Pinnacle), gold metal (VIP); no-fee funding via Solana USDC and Tron USDT
No card issuance fee
No annual maintenance fee
Works wherever Visa is accepted worldwide
Self-custody: you keep your private keys until you spend
Covers the European Economic Area (EEA)

Cons

Requires crypto collateral; the borrow rate is variable, set by Aave v4 markets, not fixed; some EU countries restricted; cashback is paid in ETHFI and locked 7 days, so its dollar value moves with the token; rates decrease after monthly spend caps; some merchants declined under high-risk category rules (age-restricted alcohol and tobacco shops reproduced across several merchants in several European countries)
Only available in certain regions
Full KYC required, no anonymous tier

How to Get the Ether.fi Cash Card

Here is what the sign-up process looks like, from application to first purchase.

Create your Ether.fi Cash account

A few minutes

Go to the Ether.fi Cash website or download the app.

Complete identity verification

Varies by issuer

Ether.fi Cash runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.

Fund your card

Usually instant

Load your card with USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) through the funding screen.

Start spending immediately

Instant

Your virtual Ether.fi Cash Card shows up in the Ether.fi Cash app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.

Requirements

Minimum age18+ (issuer terms apply)

KYC requirementYes

ResidencyAbout 90 countries per help 758780: most of Europe excluding the Netherlands, Finland, Estonia and Hungary; the UK; the Americas excluding 17 US states; UAE, Saudi Arabia, Bahrain, Hong Kong, Japan, South Africa and selected Asia-Pacific. Not offered in India, Israel, Turkey, Ukraine, Vietnam, China, Russia and the other jurisdictions on the unsupported list. Belgium and Ireland get virtual cards only

Minimum depositVaries by issuer, typically no minimum

Regional Availability

Available in Most of the EEA

The Ether.fi Cash Card serves the European Economic Area, but not every member state — the issuer lists exclusions (see the country list above). If you're in the UK, check with the issuer about post-Brexit availability.

Key supported countries:

United StatesCanadaMexicoBrazilArgentinaChileColombiaCosta RicaDominicaDominican Republic

Common questions about the Ether.fi Cash Card

What are the fees for the Ether.fi Cash Card?

Issuance fee: First virtual card free (Core 1, Luxe 4, Pinnacle 10 per help 304368; help 776152 prints Luxe 2), additional virtual $10; physical: none free on Core, 1 metal free on Luxe, 2 on Pinnacle; an additional physical card costs $50 on Core and $100 on Luxe and Pinnacle (help 376356 and 304368, 11 Sep 2026; help 776152 says Core "Free; shipping fee applies", so price the $50). Delivery "within 15+ business days", Pinnacle 1 to 3 business days; cancellation only within 24 hours (help 829813). Card fees are deducted from the account balance. read 12 September 2026. Annual fee: Free; Luxe and Pinnacle can be bought outright at $199/year and $999/year instead of earning them with points (help 303625, 8 Sep 2026). FX fee: 0% FX markup on USD and EUR purchases; other currencies pay roughly 1% base FX plus a membership-tier margin of up to 0.5% (Core 0-0.5%, Luxe 0-0.25%, none on Pinnacle and VIP — help.ether.fi articles 304414 and 303623, so a Core holder pays about 1-1.5%, not a flat 1%). EUR 0% is documented from 24 Jun 2026 ("ether.fi now applies zero FX markup") and ether.fi still labels the feature beta; the card account is USD-based with native EUR support promised soon, though EURC can be held as the spending token. FX still applies if the merchant charges a third currency or the terminal runs dynamic currency conversion (checked 2026-07-29). ATM limit: $1,000 per transaction, maximum 5 withdrawals per rolling 24 hours ($5,000 total) per help 303623 (9 Sep 2026); Luxe and above: free, up to 10 withdrawals a month (help 776152). Was $500 and 3 withdrawals until August 2026. Spending limit: Self-set in-app. Defaults per help 330661 (5 Aug 2026): daily card limit $5,000, daily vault limit $10,000, monthly vault limit $10,000, all adjustable by the cardholder. Weekly caps by merchant category: $500 (crypto, gambling, cash-like), $1,000 (securities, dating), $3,000 (wallets, pharmacies, government) per help 827177 (10 Sep 2026). Always confirm current rates on the Ether.fi Cash website before applying.

Is the Ether.fi Cash Card legit, and who is behind it?

The issuer of record for the Ether.fi Cash Card is Third National (Nimbus LLC), USA, named in the source linked in the issuer section above. We have held and used this card ourselves. We do not collect user reviews. The answer comes from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the fact-check date shown on this page.

Is the Ether.fi Cash Card worth it?

Ether.fi Cash Card is worth a look mainly for its up to 3% cashback rewards and true self-custody (your keys stay yours until the moment of purchase), which suits DeFi users and privacy-focused holders who want full control of their keys. The main thing to weigh is limited geographic availability.

How does the Ether.fi Cash Card cashback work?

Ether.fi Cash Card pays up to 3% on eligible purchases. Tier requirements and earning caps apply; check the Ether.fi Cash rewards page for the specifics.

Where is the Ether.fi Cash Card available?

Ether.fi Cash Card is available in: About 90 countries per help 758780: most of Europe excluding the Netherlands, Finland, Estonia and Hungary; the UK; the Americas excluding 17 US states; UAE, Saudi Arabia, Bahrain, Hong Kong, Japan, South Africa and selected Asia-Pacific. Not offered in India, Israel, Turkey, Ukraine, Vietnam, China, Russia and the other jurisdictions on the unsupported list. Belgium and Ireland get virtual cards only, including United States, Canada, Mexico, Brazil, Argentina, Chile, Colombia, Costa Rica, Dominica, Dominican Republic and 65 more countries. Coverage can change as Ether.fi Cash gains or loses licences, so check their site for the latest.

What cryptocurrencies does the Ether.fi Cash Card support?

You can fund the Ether.fi Cash Card with: USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer). The supported asset list can change, so verify in the Ether.fi Cash app before topping up.

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What that looked like

Straight from the account we opened. Card numbers, on-chain hashes and transaction IDs are redacted; nothing else is edited.

3% is exactly 3%
A $5.00 charge paid back $0.15, settled to the cent. Every purchase also carries an on-chain spend transaction, which we redacted here because it resolves to the wallet.
Captured 27 July 2026
The zero-FX claim on euros survives a real purchase
A EUR 138.00 charge settled at USD 158.882436, an effective rate of 1.151322. The ECB reference for that day was 1.1515, so the card came in 0.015% below it. That is noise inside a day of trading, not a markup. Tria priced a euro purchase 2.64% above the same benchmark.
Captured 4 August 2026
Euro spend still paid the top rate at this size
The same charge paid back EUR 4.14, which is 3.00% to the cent. Euro purchases run on a tighter cashback ladder than dollars, but it only starts tapering above EUR 800, and this purchase sat well under that. So the 0% FX benefit cost nothing here. It would above the threshold.
Captured 4 August 2026
The balance keeps earning while you spend it
Direct Pay deducts purchases from stables or the Liquid position. Both were still paying yield at the time of the screenshot: sETHFI 4.94%, LiquidUSD 5.24%, WETH 3.65%.
Captured 28 July 2026
Alcohol and tobacco shops get refused
The decline mail blames a high-risk merchant category and links the issuer’s own help article. Same result at several shops, in different European countries, so it is the category and not one badly coded merchant.
Captured 31 March 2026
Flagged wrongly, cleared in under a day
Card services gone, bank transfers and Pix with them, on a suspicion of cashback farming that was not happening. Support checked and put the account back inside 24 hours. Funds stayed withdrawable on-chain the whole time.
Captured 7 May 2026
The 3% tier has to be re-earned every month
Luxe wants 10,000 points per calendar month, with three days left on the clock here. Holding 15K ETHFI unlocks it outright and skips the counter.
Captured 28 July 2026
Half the tier came from holding, not spending
Card spend contributed 5,707 points that month; sETHFI and LiquidUSD added 5,159 between them. sETHFI is counted in tokens rather than dollars, so its rate survives a price drop.
Captured 28 July 2026

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