Ether.fi Cash Card Review 2026
A non-custodial Visa credit card that spends against your self-custodied crypto vault, with 3% cashback bands and a light-but-tiered fee structure.
ether.fi Cash is one of the most compelling crypto cards for DeFi users, letting you spend from a non-custodial Safe vault or borrow against your crypto without selling it.
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✓ Reasons to get it
- Non-custodial: funds stay in a Safe vault you control; ether.fi cannot move them without your permission
- No listed annual fee, and cashback up to 3% paid into your vault (auto-credited, resets monthly)
- Direct Pay or Borrow Mode lets you spend without selling assets, keeping yield and avoiding a taxable sale
- Virtual and physical cards, Apple Pay and Google Pay, usable anywhere Visa is accepted
✕ Things to watch
- ATM use is costly and tight: 2% fee, $250 per withdrawal, max 3 attempts per 24 hours (about $750/day)
- Cashback is capped and steps down (3%/1%/0.5%), excludes ATM, P2P, tax, gift cards; payout asset is contractually ether.fi's choice
- Higher tiers require staking/loyalty commitments
Our full review
The ether.fi Cash card is a non-custodial Visa credit card that lets you spend against crypto held in your own on-chain vault, and we tested it. Unlike custodial crypto cards, each user gets a Safe smart-contract vault on the Scroll network that they personally control; ether.fi states it cannot access or liquidate your assets without permission. You can spend deposited stablecoins directly (Direct Pay) or borrow against collateral like weETH (Borrow Mode).
Fees
Per ether.fi's own personal fees article, there's no listed annual fee and the card is USD-denominated, so USD purchases aren't converted. For cross-currency spend, ether.fi adds an FX margin on top of the Visa base rate that varies by tier: Core 0-1%, Luxe 0-0.25%, Pinnacle and VIP none. Be aware this conflicts with ether.fi's own legal fee schedule, which states a flat 1% FX across tiers, so a cautious spender should budget for 1%. ATM withdrawals cost 2% each, capped at $250 per withdrawal and three attempts (approved or declined) per rolling 24 hours, which effectively limits you to roughly $750/day in cash.
Custody and cashback
Custody is the real draw: your crypto stays in your vault until you spend, and you keep any staking yield on deposited assets. Cashback runs up to 3%, credited automatically to your vault, but it steps down as you spend (3%, then 1%, then 0.5%), resets monthly, and excludes ATM withdrawals, P2P, tax payments, gift cards and cash equivalents. The payout asset is contractually at ether.fi's discretion, so confirm what you're actually paid in.
Everyday use
KYC is required, and once verified the virtual card is available immediately, with physical cards (plastic or metal by tier) shipping in 15+ business days. Daily spending limits are high, $30k Core, $50k Luxe, $100k Pinnacle, and both Apple Pay and Google Pay are supported. The card isn't available in the US, and higher tiers require loyalty points or ETHFI staking. If you use our referral code ethcard100, we may receive a referral benefit; treat that as a disclosure, not an endorsement.
Fee breakdown
Lower bars are better. This is what the card actually costs you, verified against issuer terms.
How Ether.fi Cash Card compares
| Card | Custody | USD fee | Cashback | Rating |
|---|---|---|---|---|
| Ether.fi Cash Card this card | non-custodial | 0% | Up to 3% | ★ 4.5 |
| Bitget Wallet Card | non-custodial | 0% | None | ★ 4.6 |
| Peanut.me Card | non-custodial | 0% | None | ★ 4.7 |
| Startale Visa Platinum Card | non-custodial | TBA | 3% | ★ 4.5 |
How to get the Ether.fi Cash Card
- 1Join and verify
Sign up for ether.fi Club membership at ether.fi/sign-up and complete KYC. The virtual Cash card is available immediately after verification.
- 2Fund your vault
Deposit supported tokens into your Safe vault. Choose Direct Pay to spend stablecoins directly, or Borrow Mode to pledge collateral like weETH and borrow against it.
- 3Set limits and spend
Order a physical card if you want one, set per-card and vault spending limits in the Cash tab, add the card to Apple or Google Pay, and spend anywhere Visa is accepted.
Official sources
Primary sourcesEvery figure in this review was checked against the issuer's own documents. Follow any link below to verify it yourself.
- Official fee schedule help.ether.fi Checked 2026-07-14
- ether.fi Cash product page ether.fi Checked 2026-07-14
Frequently asked questions
Is ether.fi Cash custodial?
How much cashback do you earn?
What does it cost to use an ATM?
How do you claim the ether.fi Core Card welcome offer?
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