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Comparing Ether.fi Cash Card and BitPay Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Ether.fi Cash scores 4.9/5 on Sweepbase vs 3.5/5 for BitPay. That gap shows up mostly in fees and feature coverage.
Ether.fi Cash Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike BitPay where the issuer holds your funds. Ether.fi Cash also lets you earn yield on your deposits, something BitPay doesn't offer. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, BitPay may be better if you need something it does better.
In short: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to BitPay Card (3.5/5).
| Features |  Ether.fi Cash Card |  BitPay Card |
|---|---|---|
| Virtual + Physical | Virtual only | |
| Self-custody | Custodial | |
| Visa Signature | Mastercard Standard | |
| Free | Free | |
| Free | Free | |
| 1% FX on all non-USD currencies (including EUR — native EUR not yet live) | 0% foreign transaction fees, Mastercard standard conversion rates | |
| 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) | None (program paused since June 2023; new applications on waitlist only, no relaunch date as of May 2026) | |
| Core $30K/day, Luxe $50K/day, Pinnacle $100K/day | Based on loaded balance | |
| $250/day, 2% fee, 3 attempts per 24h | Not available (virtual only) | |
| 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) | BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) | |
| 70+ countries: most of Europe, UK, Americas, UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | USA only | |
| Get Card | Get Card |