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ether.fi Cash Card vs Kite Card

ether.fi Cash Card scores higher on the G2M score: 90/100 against 49/100 (#1 and #24 of 31 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee and more countries.

ether.fi Cash Card90

#1 of 31 · 3% to 4% back · annual fee none

Get ether.fiRead the review
Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review

The short answer

  • ether.fi Cash Card scores higher on the G2M score: 90/100 against 49/100 (#1 and #24 of 31 cards).
  • ether.fi Cash Card pays more cashback on its entry tier: 3% against 0%. Higher tiers go up to 4% on ether.fi Cash Card and 5% on Kite Card.
  • Neither card has an annual fee.
  • ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1.8%.
  • ether.fi Cash Card is confirmed in more countries: 91 against 9. Of the markets we check for every card, only ether.fi Cash Card is confirmed in United States, United Kingdom, EU / EEA and UAE.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
ether.fi Cash Card
Kite Card
G2M score
90 (better)
49
Base cashback
3% (better)
0%
Max cashback
4%
5% (better)
Paid in
ETHFI
USD
Annual fee
Free
Free
FX fee
0.5% (better)
1.8%
Top-up fee
0% (better)
0.53%
Per-purchase fee
None listed
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
Coming soon
Network
Visa
Visa
Card type
Credit
Prepaid
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
No
United States
Yes
No
United Kingdom
Yes
No
EU / EEA
Yes
No
Countries
91
9
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
27 currencies
17 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
Not confirmed
Yield on your balance
Yes
Not confirmed
Tiers
Core · Luxe · Pinnacle · VIP
Kite Card
Perks
Airport lounge access on every tier · Visa Signature benefits · Airport lounge benefit · Visa concierge · Purchase and price protection
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, ether.fi Cash Card or Kite Card?

ether.fi Cash Card scores higher on the G2M score: 90/100 against 49/100 (#1 and #24 of 31 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, ether.fi Cash Card or Kite Card?

Neither card has an annual fee. ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1.8%.

Which pays more cashback, ether.fi Cash Card or Kite Card?

ether.fi Cash Card pays more cashback on its entry tier: 3% against 0%. Higher tiers go up to 4% on ether.fi Cash Card and 5% on Kite Card.

Which works in more countries, ether.fi Cash Card or Kite Card?

ether.fi Cash Card is confirmed in more countries: 91 against 9. Of the markets we check for every card, only ether.fi Cash Card is confirmed in United States, United Kingdom, EU / EEA and UAE.

Who holds my funds with ether.fi Cash Card and Kite Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.