Ether.fi Cash Card

by Ether.fi

Virtual•Physical•Non-exchange

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Use invite codecryptocardsguruto get$10 cashback

Visa credit card from ether.fi Cash that supports crypto-backed spending, offers up to 3% cashback, and requires KYC.

Pros

+Up to 3% cashback depending on monthly spend band
+Virtual and physical Visa card options
+Apple Pay and Google Pay support
+Non-custodial crypto-backed spending
+High daily spending limits on upper tiers

Cons

-Must maintain sufficient collateral to avoid liquidation
-2% ATM withdrawal fee
-Not available in US, India, Indonesia, or Netherlands
-Complex for crypto beginners to understand
-Newer platform with less established track record

7.8/10

Overall

Good

★★★☆☆

6.3/10

Community Score

Based on 63 sources

Required

KYC Level

ID Verification

🌐

Worldwide

Availability

✓ Available where ether.fi Cash is supported

Card Overview

Core

Included for all Club members

Free Club membership

3% cashback up to $2,000/mo

$30,000 daily spend limit

3,000 membership points per $1,000 spent

Features

✓1 free virtual card

✓Plastic physical card available

✓Apple Pay and Google Pay

✓Non-custodial account

✓Use your crypto balance

Luxe

Higher monthly cashback capacity

10,000 membership points

3% cashback up to $10,000/mo

$50,000 daily spend limit

Reduced FX margin range

Features

✓4 free virtual cards

✓1 free metal physical card

✓Apple Pay and Google Pay

✓Airport Companion lounge access

✓Priority support

Pinnacle

Premium card limits and member benefits

50,000 membership points

3% cashback up to $50,000/mo

$100,000 daily spend limit

No added FX margin

Features

✓10 free virtual cards

✓2 free metal physical cards

✓Crypto concierge

✓Event passes

✓Priority support

VIP

Invitation-only membership level

Invite only

Invitation-only cashback terms

VIP spend limits

No added FX margin

Features

✓50 free virtual cards

✓2 free physical cards

✓ether.fi Ventures access

✓Crypto concierge

✓VIP member benefits

KYC Requirements

Level: ID Verification

✓Email VerificationRequired

✓Phone VerificationRequired

✓Identity DocumentRequired

✓Proof of AddressRequired

✓Selfie VerificationRequired

Features

Apple PayVisa

Payment Methods

✓Apple PaySupported

✓Google PaySupported

Networks

ScrollBaseEthereumOptimism

Supported Cryptocurrencies

ETH

USDC

USDT

2026-09-19·4 min read

Ethena Pay vs Ether.fi Cash: Which One Is Better?

One spends stablecoins already converted, the other borrows against assets still held. That single difference sets the risk, the rewards and the admin.

2026-09-13·3 min read

Ether.fi Cash iPhone 18 Draw Stops at 500 Pre-Orders

One in ten qualifying Apple pre-orders wins 100% back up to $2,000, but the campaign closes at the first 500 pre-orders or $100,000 awarded.

2026-09-12·4 min read

Ether.fi Cash Protection Terms Cap the Whole Year at $5M

Per-account limits run from $10,000 to $500,000, but the program holds $5 million for an entire annual period and does not reinstate after a payout.

2026-09-12·3 min read

Ether.fi Cash Subscription Cashback Caps at $100 of Spend

Luxe, Pinnacle and VIP pay 10%, 20% and 30% on AI, streaming and food delivery, but the $10, $20 and $30 monthly caps all sit on the same base.

2026-09-11·4 min read

Ether.fi Cash now pays cashback in ETHFI

Cashback is calculated in dollars, converted to ETHFI when the purchase clears, then locked for seven days. The advertised rate and the amount that lands are no longer the same number.

2026-09-10·3 min read

Ether.fi Cash Luxe unlocks with 5,000 points or $199 a year

Four routes into the same tier, and what the fast-track fee buys once the cashback line is taken out of the annual value.

2026-08-30·3 min read

Rain's Solana vulnerability and what Ether.fi Cash users should actually check

Rain is named in Ether.fi's historical card terms, but Ether.fi Cash uses a different funding architecture. That distinction matters more than a platform name.

2026-08-25·3 min read