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Ether.fi Cash Card vs Bleap Card: 2026 Comparison

Comparing Ether.fi Cash Card and Bleap Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

These two are close: Ether.fi Cash at 4.9/5, Bleap at 4.7/5. A 0.2-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Ether.fi Cash: self-custody, no issuance or annual fee, up to 3% cashback.

Ether.fi Cash:
Bleap:

Side by side

Side-by-side comparison of Ether.fi Cash Card, Bleap Card. Scroll horizontally to see all columns.
Feature

Ether.fi Cash Card 4.9 out of 5, Sweepbase rating

Get card Ether.fi Cash Card

Bleap Card 4.7 out of 5, Sweepbase rating

Get card Bleap Card
Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkVisa SignatureMastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus
The fine print
  • Bleap is the programme provider, not the issuer, and says so: "Bleap does not issue e-money, operate payment accounts, hold client assets or private keys, or provide custody"
  • The card terms name Bleap SIA of Latvia as the programme entity, while the wallet Terms of Service name Bleap Finance sp. z o.o. of Poland
Custody Strength: Self-custody Strength: Self-custody
Costs
Issuance fee Strength: First virtual card free (Core 1, Luxe 4, Pinnacle 10, VIP 50; a help article prints Luxe 2), except that Core members…
The fine print
  • … in Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, Philippines, South Africa and Thailand pay $10 for the first virtual card under regional pricing
  • Additional virtual $10 (VIP none)
  • 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 (a help article 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
  • Card fees are deducted from the account balance
 Strength: Free
Annual fee Strength: Free; Luxe and Pinnacle can be bought outright at $199/year and $999/year instead of earning them with points Strength: Free
FX fee0% FX markup on USD and EUR purchases
The fine print
  • 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, 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
 Strength: 0% conversion fees on stablecoin spending
Rewards
Cashback Strength: Up to 3% (Tiers) Strength: 1%
Yield on spendable balance Strength: YesNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed
Bank account in your name Strength: SEPA: Yes, EUR in and out via ether.fi's banking provider: receive as EURC €0.90, receive as USDC €0.90 plus 0.15%…
The fine print
  • … outgoing SEPA €0.90 plus any FX conversion, SEPA Instant deposits where the sending bank supports it
  • No universal ether.fi minimum and no tier-based transfer limits, provider limits shown before confirmation
  • IBAN: the SEPA article shows deposit details for an account "created for you with our third party provider" but does not call it a personal IBAN
  • SWIFT: Yes for non-US residents, "generate your personal virtual bank account" with an account number and SWIFT code, $20 plus 0.1% per transfer
  • US ACH $0.50 plus 0.1% and FedWire $20 plus 0.1% via virtual USD account details
  • UK Faster Payments: unique sort code and account number, deposits only, £0.90 plus 0.20%
  • Every inbound fiat transfer lands as a stablecoin
 Strength: SEPA: Yes - top-up and receipt at 0% (SEPA and SEPA Instant, fee schedule of 1 September 2026)
The fine print
  • IBAN: Yes - a dedicated IBAN in your own name issued by Monerium, rolled out gradually from the second quarter of 2026 per the help centre (31 August 2026)
  • EUR in by SEPA arrives as EURe, and outgoing transfers still show Bleap as sender during a transition period
Daily spend limitSelf-set in-app
The fine print
  • Defaults: 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)
€10,000 per transaction, €15,000 a day and €30,000 over a rolling 30 days
ATM withdrawal limit$1,000 per transaction, maximum 5 withdrawals per rolling 24 hours ($5,000 total) on every tier
The fine print
  • Pinnacle and VIP: free, up to 10 withdrawals a month, while Core and Luxe are listed only as "Available" with no fee printed
  • Was $500 and 3 withdrawals until August 2026
Free up to EUR 400 and 3 withdrawals per rolling 30 days…
The fine print
  • … (the card page repeats "up to €400/month in free ATM withdrawals")
  • Virtual cards cannot use ATMs - "If you attempt to use a virtual card at an ATM, the transaction will be declined" - because they carry no PIN, so cash needs the plastic card
Top-up methodsUSDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD…
The fine print
  • … LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer)
USDC, USDT, other stablecoins; multi-chain support
Regions91 countries and territories: 88 with virtual and physical cards, Belgium and Ireland with virtual cards only, and the…
The fine print
  • … United States
  • Most of Europe including Hungary, Norway, Liechtenstein and Monaco, except the Netherlands, Finland and Estonia
  • The UK, Guernsey, Jersey and the Isle of Man
  • The Americas and much of the Caribbean
  • UAE, Saudi Arabia, Bahrain, Oman, Hong Kong, Japan, South Korea, Taiwan, Singapore and selected Asia-Pacific
  • South Africa, Angola and Nigeria
  • United States: thirty states plus the District of Columbia
  • Not available in Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Montana, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington or Wisconsin
  • Not available in India, Israel, Turkey, Ukraine, Vietnam, China, Russia or any other jurisdiction the list omits
EEA and Switzerland per the cardholder terms of 28 June 2026 and the help centre, which refuses cards to anyone…
The fine print
  • … residing elsewhere and adds a restricted-nationality list that includes the United States
  • Availability inside the EEA is not uniform either: "residents of countries like Italy or Spain may not yet have access to Bleap cards"
  • Not available in the United Kingdom
  • Bleap's own card page contradicts the contract by naming a second, non-European region alongside the EEA in its FAQ, and a help article of 21 September 2026 opens accounts to residents of Brazil, but no card terms exist for anywhere outside the EEA and Switzerland, so the contract's scope stands
Behind the card
Card issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card termsUnlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • Cashback: Up to 3% (Tiers)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • Premium Visa Signature tier
  • Virtual and physical
  • You hold the keys
  • No issuance or annual fee
  • FX fee of 0.5% or less
  • Cashback: 1%
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
Trade-offsNothing flagged by these checksNothing flagged by these checks

Which scores higher

Nothing in the formula favours Bleap over Ether.fi Cash. What the formula cannot see is where you live and what you spend on: if Bleap is sold in your country and Ether.fi Cash is not, that settles it, and the Regions row above is where to check.

Get Ether.fi Cash Card

Ether.fi Cash vs Bleap: FAQ

Ether.fi Cash Card scores higher on the Sweepbase formula, at 4.9/5. What moves the score: self-custody, no issuance or annual fee, up to 3% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Ether.fi Cash Card: issuance First virtual card free, annual Free, 0% FX markup on USD and EUR purchases. Bleap Card: issuance Free, annual Free, FX 0% conversion fees on stablecoin spending. Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Ether.fi Cash Card: Up to 3% cashback. Bleap Card: 1% cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Ether.fi Cash Card: Self-custody. Bleap Card: Self-custody. Ether.fi Cash Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Ether.fi Cash Card supports Apple Pay and Google Pay. Bleap Card supports Apple Pay and Google Pay.

Ether.fi Cash Card: 91 countries. Bleap Card: Europe. Check each card's detail page for the full country list.

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