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Comparing Ether.fi Cash Card and Coinbase 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:
Ether.fi Cash scores 4.9/5 on Sweepbase vs 3.7/5 for Coinbase. That gap shows up mostly in fees and feature coverage.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Signature | Visa Debit |
| Custody | Self-custody | Custodial |
| 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) | No transaction fees: $0 for card transactions, crypto conversion, international purchases…No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals (Cardholder Agreement Oct 2024); only cost is Coinbase's conversion spread, rate not published. The old 2.49% conversion fee was removed 2022-04-06. |
| Rewards | ||
| Cashback | Up to 3% (Tiers) | Up to 4% (US only) |
| Yield on spendable balance | Yes | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| 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 yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN |
| 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) | Varies by verification, high limits available |
| 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 | $1000/day, $10000/month; issuer ATM fee $0 domestic and international (ATM operator may still charge) |
| 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) | Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) |
| 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 | US plus the United Kingdom and 30 EEA countries. The separate Coinbase One Card, an Amex credit card, is US-only |
| 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 | Pathward, N.A. — USA (ex-MetaBank)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
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| Get Ether.fi Cash Card | Get Coinbase Card | |
Ether.fi Cash Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Coinbase where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Coinbase 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 Coinbase Card (3.7/5).
