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#2 of 26VisaCreditSelf-custodial

ether.fi Cash Card

Self-custodial Visa card paying 3% back on every tier, with airport lounge access and Visa Signature perks.

Key facts

Cashback
3% to 4% in ETHFI
Annual fee
Not published
FX fee
0.5%
Top-up fee
0%
Per-purchase fee
None listed
ATM
Free: 10 a month on Core and Luxe, unlimited on Pinnacle and VIP. Up to $5,000 per withdrawal, 5 a day
Card types
virtual, physical
Mobile wallets
Apple Pay + Google Pay

Cashback: 3% on the first $2,000 a month (Core), $10,000 (Luxe) or $50,000 (Pinnacle), then 1%, then 0.5%. VIP: 4% on the first $50,000 a month (the rate above is not published). Lower 3% limits on purchases settled in euros. Paid in ETHFI after a 7-day lock.

FX: No FX fee on USD or EUR purchases (EUR in beta). Other currencies: about 1% network rate plus 0.5% (Core), 0.25% (Luxe) or nothing (Pinnacle, VIP).

G2M score worldwide

80/100
Rewards21.4/25
Fees17/30
Coverage17/20
Ecosystem15/15
Control10/10
How the score works

Where it works

  • IndiaNot available
  • UAEAvailable
  • United StatesAvailable
  • United KingdomAvailable
  • EU / EEAAvailable

Global (91 countries). Includes United Arab Emirates, Argentina, Austria, Australia.

Banking features

Bank account (IBAN or account number)
In your name
Send money to a bank account
27 currencies
Buy and sell crypto with fiat
Buy and sell
Spend against crypto without selling
Yes
Yield on your balance
Yes
ID check for people living abroad
A residence permit or local ID where you live is accepted
Citizens turned away
Not published

Tiers and plans

[ tier break-even ]

When a paid tier pays for itself against Core (free), with its yearly fee and monthly cashback cap counted.

  • You need to spend at least $2,830 a month for Luxe ($199/yr) to beat Core (free).
  • You need to spend at least $5,531 a month for Pinnacle ($999/yr) to beat Core (free).
  • VIP (free) beats Core (free) at any spend, if you hold the ETHFI it needs (below).
[ staking check ]
  • Luxe: hold 30,000 ETHFI. Live price unavailable right now.
  • Pinnacle: hold 150,000 ETHFI. Live price unavailable right now.
  • VIP: hold 500,000 ETHFI. Live price unavailable right now.

Prices from CoinGecko, updated hourly. A stake is your own money locked up, not a fee, but its value moves with the token.

TierCost per yearCashbackMonthly capFX feeHow to get itPerks
CoreFree3% up to $2,000/mo, 1% up to $3,000/mo, 0.5% above $3,000—0.5%Free for everyoneAirport lounge benefit · Visa concierge · Purchase and price protection · 10 free ATM withdrawals a month · 1 free virtual card
Luxe$199Or 5K points a month, $15K in Liquid, or 30K ETHFI staked3% up to $10,000/mo, 1% up to $20,000/mo, 0.5% above $20,000—0.25%$199/year, 5K points a month, $15K in Liquid or 30K ETHFI staked10% Category Cashback on subscriptions, up to $10 a month · Free metal card, shipping included · 10 free ATM withdrawals a month · Airport lounge benefit · Visa concierge
Pinnacle$999Or 25K points a month, $100K in Liquid, or 150K ETHFI staked3% up to $50,000/mo, 1% up to $80,000/mo, 0.5% above $80,000—0%$999/year, 25K points a month, $100K in Liquid or 150K ETHFI staked20% Category Cashback on subscriptions, up to $20 a month · Unlimited free ATM withdrawals · Free metal card, express shipping · Dedicated account manager team · 25% back on airport fast track, up to $25 a year
VIPFreeNo fee and can't be bought; needs $500K in Liquid or 500K ETHFI staked4%$2,0000%$500K in Liquid or 500K ETHFI staked30% Category Cashback on subscriptions, up to $30 a month · Unlimited free ATM withdrawals · Free gold metal card, express shipping · Executive support · 25% back on airport fast track, up to $50 a year

Real swipe receipt

What one purchase really costs on ether.fi Cash Card, with every fee and the cashback.

[ swipe receipt ]Try a $10 coffee, a $50 dinner or a $200 hotel on ether.fi Cash Card, in your own currency, and post the receipt on X.Open the receipt

What's good

  • 3% back even on the free Core tier
  • Self-custodial with lounge access
  • Free physical card; metal card from Luxe

Watch out for

  • Core pays 3% only on the first $2,000 a month, then 1% and 0.5%
  • Higher tiers cost $199 or $999 a year, or a large ETHFI stake or deposit

More details

Other fees
Virtual cards: 1 free on Core, 2 on Luxe, 10 on Pinnacle, unlimited on VIP. In 14 countries (e.g. Mexico, Nigeria, the Philippines) the first one costs $10 on Core · Physical card free on Core (shipping extra); metal card free on Luxe and up, shipping included
Perks
Airport lounge access on every tier · Visa Signature benefits
Spend from
USDC, USDT
Issuer
Third National

Sources · last checked 25 Oct 2026

Terms change often. Confirm fees and availability on the official ether.fi site before you apply. Spotted something out of date? Tell us.

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