TL;DR.Ether.fi Cash is a Visa crypto debit card (Virtual + Physical, KYC: Light KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee 0.5%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
Ether.fi Cash.
DeFi-native non-custodial Visa credit card from ether.fi — funds stay in Gnosis Safe smart contract, cashback paid in USD (credited as USDC) up to 3%, all tiers free with $0 annual fee.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Non-custodial: funds in Gnosis Safe smart contract you control
- +$0 annual fee, $0 issuance across all tiers
- +Up to 3% cashback, paid in USDC (steps down progressively with monthly spend)
- +Visa Signature benefits: $2K price protection, $10K purchase protection
- +Daily limit up to $100k (Pinnacle tier)
- +Apple Pay & Google Pay supported
Cons.
- −FX margin varies by tier: Core 0-0.5%, Luxe 0-0.25%, Pinnacle/VIP none
- −ATM: 2% per withdrawal, $250/day limit, max 3 attempts/24h
- −Not available in US (UK launch FCA-regulated Sep 2026)
- −Excluded countries include Russia, Turkey, Ukraine, Israel, India, Vietnam, China
- −Cashback rate steps down as monthly spend rises (3% → 1% → 0.5%/0.1% per tier)
- −Higher tiers gated by Loyalty points (10K Luxe, 50K Pinnacle)
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
—
FX fee
0.5%
Issuance
Free
Monthly
Free
Cost / $100
$0.00
$0 annual, $0 issuance. FX margin (official help center): Core 0-0.5%, Luxe 0-0.25%, Pinnacle/VIP none. ATM 2% per withdrawal, $250/day max, 3 attempts per 24h. Daily spend: Core $30k / Luxe $50k / Pinnacle $100k. Cashback: 3% on first spend tier, stepping down to 1% then 0.5% (Core/Luxe/Pinnacle) or 0.1% (Business) as monthly spend rises; credited automatically as USDC, not wETH.
COVERAGE
Where it works.
Supported coins
ETHUSDCUSDTweETH
Chains
EthereumArbitrum
Use cases
Online · IRL · ATM
Blocked countries
USBYBDCNCUEEFIHUINIQILNPNLKPPHRUSYTRUAVEVN
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
94/100
Verified July 21, 2026
ALTERNATIVES