Yearly cost at three spending levels
| Monthly spend | Crypto.com Card | ether.fi Cash |
|---|---|---|
| $500 | ≥ $24 Basic (Midnight) | ≥ -$162 Core |
| $2,000 | ≥ $96 Basic (Midnight) | ≥ -$648 Core |
| $5,000 | ≥ $240 Basic (Midnight) | ≥ -$540 Core |
Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Crypto.com Card Basic (Midnight) | ether.fi Cash Core |
|---|---|---|
| Top-up and conversion fees | Not disclosed | Not disclosed |
| Spending fees | $0 | Not disclosed |
| Foreign exchange markup | $96 | $72 |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | -$0 | -$720 |
| Yearly cost | $96 | -$648 |
Fees
Crypto.com Card charges Not disclosed to convert or top up and 2% on spending in a foreign currency. ether.fi Cash charges Not disclosed and 1.5%.
ATM withdrawals: Crypto.com Card 2% after €200 free a month; ether.fi Cash not disclosed.
A virtual card costs nothing with Crypto.com Card and nothing with ether.fi Cash. A physical card costs €4.99 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Crypto.com Card cashback: 0% to 5%. ether.fi Cash cashback: 3% to 4%.
Crypto.com Card tiers: Basic (Midnight): 0%; Plus (Ruby): 2%, capped at $25 a month; Pro (Jade/Indigo): 3%, capped at $75 a month; Private (Icy/Rose): 4%; Private (Obsidian): 5%.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
Crypto.com Card: Rewards are paid in CRO under Crypto.com's Level Up plans. Plus and Pro can be paid by subscription (€3.99 or €24.99 a month) or a 12-month CRO stake (€450 or €4,500); Private needs €45,000 or €450,000 of CRO staked for 12 months. Plus rewards are capped at $25 a month and Pro at $75.
ether.fi Cash: 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.
Availability and KYC
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
ether.fi Cash is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
Crypto.com Card needs full KYC and ether.fi Cash needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
Crypto.com Card works with Apple Pay and Google Pay, and ether.fi Cash works with Apple Pay and Google Pay. Crypto.com Card issues a virtual card you can use straight away.
Custody and safety
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee pages.
ether.fi Cash scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.
Full reports: Crypto.com Card safety check and ether.fi Cash safety check.
About each card
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
Which card fits you
Crypto.com Card fits if
- You want a higher cashback ceiling (up to 5%).
ether.fi Cash fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Crypto.com Card fees and details · ether.fi Cash fees and details · Crypto.com Card review