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Comparing Ether.fi Cash Card and Bleap Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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 vs Bleap at 4.7/5. Ether.fi Cash has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Signature | Mastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed…Mastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus. 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 | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | First virtual card free (Core 1, Luxe 4, Pinnacle 10 per help 304368First 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 | Free |
| 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) | Free |
| FX fee | 0% FX markup on USD and EUR purchases0% 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) | 0% conversion fees on stablecoin spending |
| Rewards | ||
| Cashback | Up to 3% (Tiers) | 1% |
| Yield on spendable balance | Yes | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed |
| Bank account in your name | SEPA: Yes, EUR in and out via ether.fi's third-party provider: receive as EURC €0.90…SEPA: Yes, EUR in and out via ether.fi's third-party provider: receive as EURC €0.90, receive as USDC €0.90 plus 0.15%, withdrawal €0.90, minimum €2, two transfers per 24 hours; US residents pay 0.2% plus a 0.50% FX fee (help 586168, 3 Sep 2026); not available in Estonia, Finland, Hungary or the Netherlands; 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 (help 586159); US ACH $0.50 plus 0.1% and FedWire $20 plus 0.1% via virtual USD account details (help 584583); UK Faster Payments: unique sort code and account number, deposits only, £0.90 plus 0.20% (help 601603). Every inbound fiat transfer lands as a stablecoin. read 12 September 2026 | SEPA: YesSEPA: Yes - top-up supported, and the pricing disclosure lists a 0% processing fee on SEPA and SEPA Instant; IBAN: the Terms of Service (page titled '(Old)', updated 2 Sep 2026) say Bleap may enable a dedicated IBAN provided by Monerium 'where available'; not confirmed live, treat as conditional (checked 2026-09-04) |
| Daily spend limit | Self-set in-appSelf-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) | Based on wallet balance |
| ATM withdrawal 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 | Free up to EUR 400/month, 3 withdrawals (help article dated 8 Jul 2025)Free up to EUR 400/month, 3 withdrawals (help article dated 8 Jul 2025); 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 (checked 2026-09-04) |
| Top-up methods | USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH…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) | USDC, USDT, other stablecoins; multi-chain support |
| Regions | About 90 countries per help 758780: most of Europe excluding the Netherlands, Finland…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 | EEA and Switzerland onlyEEA and Switzerland only. Help centre, dated 3 July 2026: "we are unable to issue cards to users who either: Reside outside of the EEA or Switzerland, regardless of their nationality" - followed by a 45-entry banned-nationality list that includes the United States. Availability inside the EEA is not uniform either, and Bleap names its own examples: "residents of countries like Italy or Spain may not yet have access to Bleap cards despite holding valid residency documents". No UK card and no Latin America; Bleap describes LatAm as expansion underway rather than current availability |
| Behind the card | ||
| Card issuer | Third 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 terms | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks | Nothing flagged by these checks |
| Get Ether.fi Cash Card | Get Bleap Card | |
Ether.fi Cash Card is the better card here. Ether.fi Cash also lets you earn yield on your deposits, something Bleap doesn't offer. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Bleap may be better if you prefer self-custody need something it does better.
In short: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to Bleap Card (4.7/5).
