Monetiro229 services on the ledger · last checked October 6, 2026
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$0.50/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
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Ether.fi Cash

Ether.fi Cash

VisaVirtual and plasticSince 2025
Asks for a documentOperational

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.

Total, per $100 spent: $0.50per $100 spent

45 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00.

Open ether.fiNot a paid link: we earn nothing either way.

Whether to take Ether.fi Cash

In its favour

  • 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

Against it

  • 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

Also true, in its favour

  • Daily limit up to $100k (Pinnacle tier)
  • Apple Pay & Google Pay supported

What Ether.fi Cash costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend outside the dollar0.5%
At a cash machine2% per withdrawal
Total, per $100 spent$0.50

Not published by the issuer: to spend, per payment, fixed.

Read off ether.fi on September 7, 2026.

$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.

KYC: what Ether.fi Cash asks for

A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Daily spend$30,000
Cash, per day$250

Not published by the issuer: monthly spend, per payment, maximum balance.

Confirmed on ether.fi on September 7, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in4ETH, USDC, USDT, weETH
Chains2Ethereum, Arbitrum
TiersCore, Luxe, Pinnacle, VIP

Closed to residents of 20 countries, according to the issuer's own terms.

  • Belarus
  • China
  • Cuba
  • Estonia
  • Finland
  • Hungary
  • India
  • Iraq
  • Israel
  • Morocco
  • Nepal
  • Netherlands
  • North Korea
  • Pakistan
  • Russia
  • Syria
  • Turkey
  • Ukraine
  • Venezuela
  • Vietnam

The other flaws

  • 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)

What has changed

2 recorded changes, the most recent on April 15, 2026. Each carries the page we read it on.

April 15, 2026Verifiedether.fi commits $3B in ETH to ETHGas blockspace marketsOn April 14-15, 2026, ether.fi struck a three-year deal committing $3 billion in ETH as 'validator liquidity' to ETHGas. Underpins ether.fi Cash treasury model and forward pricing infrastructure for institutional blockspace.theblock.co
March 15, 2026Verifiedether.fi Cash migrates from Scroll to OP MainnetIn Q1 2026, ether.fi completed the migration of its payments rail from Scroll to OP Mainnet — moving roughly 70,000 active cards and 300,000 accounts. OP token rallied on the news.finance.yahoo.com

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off ether.fi on September 7, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Per-payment charge · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open ether.fiNot a paid link: we earn nothing either way.

Alternatives to Ether.fi Cash

Costs $0.50 more per $100 — the price of the difference.Avalanche CardAvalanche CardVisaVirtual and plasticAsks for a documentOperationalFree to load. 1% outside the dollar.AG21 Jul$1.00per $100 spent
Costs $0.50 more per $100 — the price of the difference.Avici Money CardAvici Money CardVisaVirtual and plasticAsks for a documentOperationalFree to load. 1% outside the dollar.AG7 Sept$1.00per $100 spent
Takes $0.50 less on every $100 spent.Fizen CardFizen CardVisaVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent