Ether.fi Cash Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Collateral stays on-chain while you spend. The first major credit card we've used where that's true. Core tier pays 3% cashback on the first $2,000 of monthly spend, dropping to 1% above the cap, so the blended rate at higher monthly spend lands well below the 3% headline. Higher tiers (Luxe metal, Pinnacle black metal) raise the 3% cap to $10,000 and $50,000 of monthly spend respectively. Cashback pays in wETH. Pay balances down, because the 4% APY interest on borrowed amounts is also real. FX is 1% on all non-USD currencies, including EUR, with native EUR settlement not yet live. Available in 70+ countries with notable EU exclusions including the Netherlands, Finland, and Estonia. Self-custodial via DeFi collateral on Ethereum, Base, Arbitrum, Scroll, Solana, and Tron. Visa Signature with $10,000 purchase protection. Best fit: DeFi-native users who already hold productive collateral on-chain and want a credit card that does not require liquidation to spend.
Ether.fi Cash is the world's first DeFi-native Visa Signature credit card, allowing you to borrow against your ETH, weETH, USDC, USDT, eBTC, and other holdings without selling, all while maintaining complete self-custody through your Gnosis Safe. Earn up to 3% cashback in wETH with tiered spend caps (Core: $2K at 3%, Luxe: $10K, Pinnacle: $50K), enjoy yield on collateral that auto-pays your bills, and access premium Visa Signature protections including $10,000 purchase protection. Supports 15+ collateral assets across Ethereum, Base, Arbitrum, Scroll, Solana, and Tron networks, fund with USDC from Solana or USDT from Tron at no fee (1:1 transfer). Physical cards now available in 70+ countries with metal options for higher tiers.
Sweepbase verdict: For its up to 3% cashback rewards and true self-custody — your keys remain yours until the moment of purchase, Ether.fi Cash Card is one of the stronger picks in this space, which is why it appeals most to DeFi users and privacy-focused holders who want full control of their keys. That said, limited geographic availability is worth factoring in before you apply.
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 | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 1% FX on all non-USD currencies (including EUR — native EUR not yet live) |
| ATM Limit | $250/day, 2% fee, 3 attempts per 24h |
| Spending Limit | Core $30K/day, Luxe $50K/day, Pinnacle $100K/day |
These figures can change. Confirm the current fees, FX and network in Ether.fi Cash’s official terms before you apply.
Features
- Welcome Bonus: 10% cashback
- 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, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Grenada, 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, United Kingdom, France, Germany, Italy, Portugal, Spain, Belgium, Austria, Switzerland, Poland, Czechia, Denmark, Croatia, Cyprus, Greece, Ireland, Norway, Luxembourg, Romania, Slovakia, Sweden, Andorra, Iceland, Malta, Lithuania, Gibraltar, Hong Kong, Thailand, South Korea, Taiwan, Singapore, Indonesia, Malaysia, Australia, New Zealand, Saudi Arabia, United Arab Emirates
Banking & Fiat Rails
None (non-custodial Visa Signature; no IBAN/SEPA account)
Supported Cryptocurrencies
You can load the Ether.fi Cash Card with 6 cryptocurrency tokens. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Ethereum and Base networks (eETH, LiquidUSD, USDC, supported crypto)
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 (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in 70+ countries: most of Europe, UK, Americas, UAE, Saudi Arabia, Hong Kong, select Asia-Pacific, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Up to 3% cashback (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) 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
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
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; 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
- Earn Up to 3% cashback (tiered: Core 3% on first $2K then 1%; Luxe 3% on first $10K; Pinnacle 3% on first $50K; paid in wETH) cashback on eligible purchases
- No card issuance fee
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
Cons
- Requires crypto collateral; interest charges at 4% APY on borrowed amounts; some EU countries restricted; cashback rates decrease after monthly spend caps
- Only available in certain regions
- Requires KYC identity verification
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the Ether.fi Cash Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Ether.fi Cash account
~5 minutesGo to the Ether.fi Cash website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Ether.fi Cash verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, 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. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour 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
Regional Availability
Available Across the EEA
The Ether.fi Cash Card covers all 27 EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Frequently Asked Questions
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