Visa · Self-custody · Full KYC · Virtual and Physical

ether.fi Cash Card: Fees, Limits and Cashback

ether.fi Cash Card is a self-custody Visa card from ether.fi that does not publish its conversion fee. The FX markup is not published, and cashback is 3%, or up to 4% on higher tiers. There is no annual fee. Supported countries are shown in the app at sign-up.

Verified September 24, 2026Issued by ether.fi

48/100

Overall rating

Not published

Countries offered

Free

Annual fee

Not disclosed

Conversion fee

Not disclosed

FX markup

3% to 4%

Cashback

60/100

Safety score · Good

ether.fi Cash pros and cons

Pros

No annual or monthly fee
3% cashback, up to 4% on higher tiers
Self-custody: funds stay in your wallet until you pay
Works with Apple Pay and Google Pay
Free virtual card
Safety score 60/100 (Good)

Cons

Conversion fee not published
FX markup not published
Supported countries shown only in the app

ether.fi Cash fees and limits

Virtual card	Free
Physical card	Not disclosed
Annual fee	Free
Monthly fee	None
Crypto conversion fee	Not disclosed
FX markup	Not disclosed
Fee on purchases in USD	Not disclosed
ATM withdrawals	Not disclosed
Daily spending limit	Not disclosed
Monthly spending limit	Not disclosed
Daily ATM limit	$5,000
Card currency	USD

"Not disclosed" means ether.fi Cash does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

ether.fi Cash cashback and rewards

Tier	Rate	Paid in	Monthly spend cap	Requirement
Core	3%	Not stated	$2,000	None
Luxe	3%	Not stated	$10,000	5,000 ether.fi loyalty points
Pinnacle	3%	Not stated	$50,000	25,000 ether.fi loyalty points
VIP	4%	Not stated	$50,000	Invitation only

Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.

What ether.fi Cash costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Monthly spending	Net per year	Tier used
$500	≤ +$180	Core
$2,000	≤ +$720	Core
$5,000	≤ +$720	Core

Run it with your own numbers in the card cost calculator.

ether.fi Cash Apple Pay, Google Pay and ATM withdrawals

ether.fi Cash works with Apple Pay and Google Pay. ATM withdrawals: not disclosed, up to $5,000 a day. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where ether.fi Cash is available

ether.fi Cash does not publish a country list. ether.fi does not publish a country list. In Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, the Philippines, South Africa and Thailand the first virtual card costs $10.

The crypto card finder lists every card we track by country.

Topping up ether.fi Cash

ether.fi Cash tops up with USDC and ETH. The conversion fee is not published. The card is self-custody, so funds stay in your wallet until you pay.

How to get the ether.fi Cash card

Check in the ether.fi Cash app that the card is offered where you live, because ether.fi Cash does not publish a country list.
Download the ether.fi Cash app and complete identity verification with a government ID and a selfie check.
Top up with USDC and ETH.
Issue the virtual card for free and add it to Apple Pay or Google Pay.
Order the physical card if you need ATM withdrawals or chip and PIN payments.

Who the ether.fi Cash card suits

Wallet users who want funds to stay in their own wallet until they pay.
Everyday spenders who want cashback without a subscription: the base rate is 3%.

ether.fi Cash overall rating

ether.fi Cash rates 48/100 in our crypto card ranking.

Factor	Detail	Points
Reach	Country list not published	0 / 40
Yearly cost	+$720 a year at $2,000 a month	30 / 30
Safety	60/100	18 / 30

Is ether.fi Cash safe?

ether.fi Cash scores 60/100 (Good) in our safety check. Issuer: ether.fi. Licence details are not published.

ether.fi describes Cash as a non-custodial account. Some fees, including the FX margin and the ATM fee on Core, are not published as fixed figures.

Full ether.fi Cash safety report

Compare ether.fi Cash with other cards

Frequently asked questions

What are the ether.fi Cash card fees?

ether.fi Cash charges a conversion fee it does not publish, an FX markup it does not publish, no annual fee. The virtual card is free. Its ATM fee is listed in the fees table on this page.

Is ether.fi Cash available in the US?

Does ether.fi Cash have cashback?

Yes. ether.fi Cash pays 3% to 4%. Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.

What is the ether.fi Cash ATM withdrawal fee?

ether.fi Cash does not publish its full ATM fee.

Does ether.fi Cash work with Apple Pay and Google Pay?

Yes. ether.fi Cash supports both Apple Pay and Google Pay.

Is ether.fi Cash safe?

ether.fi Cash scores 60/100 (Good) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

ether.fi Cash fees · checked September 24, 2026
ether.fi Cash availability · checked September 24, 2026
ether.fi Cash cashback · checked September 24, 2026
ether.fi Cash terms and licensing · checked September 24, 2026