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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 programme entity is mid-migration from Bleap Finance Sp. z o.o. of Poland to Bleap SIA of Latvia; both sets of agreements are live on the site |
| Custody | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | 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: YesSEPA: Yes — live EUR deposit/withdrawal via SEPA to the user's own named EU bank account (ether.fi Help Center, confirmed: 'The bank account must be in your name'; can settle in under 15 minutes); not available in Estonia, Finland, Hungary, Netherlands (per ether.fi's own restricted-jurisdictions list); IBAN: Not a dedicated ether.fi-issued IBAN — routes to/from the user's existing personal bank IBAN; a separate virtual US account + IBAN feature is on ether.fi's roadmap for Club members (not yet live); SWIFT: Not disclosed | SEPA: Yes - top-up supported, and the pricing disclosure lists a 0% processing fee on SEPA and SEPA Instant; IBAN: announced once, no longer mentioned anywhere on the site, so treat it as absent (checked 2026-08-07) |
| Daily spend limit | Self-set: the cardholder chooses the spending ceiling in-appSelf-set: the cardholder chooses the spending ceiling in-app. Tier headroom is Core $30K/day, Luxe $50K/day, Pinnacle $100K/day, well above what most holders set (not to be confused with the fiat-crypto transfer caps of $10K/$50K/$200K per month) | Based on wallet balance |
| ATM withdrawal limit | $250/day, 2% fee, 3 attempts per 24h | Virtual cards cannot use ATMs at allVirtual cards cannot use ATMs at all - "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. Neither an ATM fee nor a withdrawal limit is published anywhere on the site, including the pricing disclosure (checked 2026-08-07) |
| 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 | 65 countries we list individually: most of Europe excluding Netherlands, Finland and Estonia; UK; Americas excluding 20 US states; UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | 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).
