ether.fi Cash

Name: ether.fi Cash
Brand: ether.fi (Visa Signature)

by ether.fi (Visa Signature) · Updated 2026-06-28

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Marketed: 3.0%Your effective cashback: 3.0% ($150/mo) at $5,000/mo on the Luxe plan

Cashback earned on your spend

$5,000 spent × 3.0%

3.0% applies to the first $10,000/mo of spend

$150/mo

Gross cashback per month

sum of the bands above, before fees

$150/mo

Annual cashback

$150/mo × 12 months

$1,800/yr

No fees on this plan

Tier unlocked by your spend

No tokens locked

your spend clears the ~$3,334/mo needed to earn this tier via membership points

Net cashback after fees

annual cashback minus all fees

$1,800/yr

Effective cashback rate

net ÷ your annual spend (3.0%)

3.0%

Based on your monthly spend, edit it on the home page.

At a glance

Network: Visa
Custody: self-custodial
Card type: credit
Form: Physical & virtual
Mobile wallets: ✓ Apple Pay✓ Google Pay
Chains: EthereumArbitrumBaseScroll
Tokens: USDCUSDTweETH
Availability: US (~30 states), EU/EEA (partial), UK, Canada, Australia, Singapore, UAE
KYC: Required
Extra rewards: Points program
Funding: Self-custodial Safe vaultStablecoins (Direct Pay)weETH collateral (Borrow Mode)
Spending limit: Core $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
ATM limit: $250 per 24h (max 3 attempts)

Spend without sellingBorrow Mode

Instead of selling, spend by borrowing USDC against your ETH/weETH (up to ~55% LTV) while that collateral keeps earning staking yield; ~4% APR (the earlier 0% promo ended around mid-2026).

Pros

3% cashback on the first $2,000/mo (Core), scaling to $10k (Luxe) / $50k (Pinnacle)
Self-custodial: spend from your own Safe vault
Collateral keeps earning staking yield via Borrow Mode
0% FX on USD and EUR; Visa acceptance + Apple/Google Pay
Cashback paid in USDC (USD-denominated, liquid, no vesting or volatile reward token)

Cons

Hard $1,000/mo TOTAL cashback cap across ALL tiers (legal T&C), caps the headline metric for heavy spenders even on Pinnacle
Cashback rate steps down sharply above the 3% band (1% then 0.5%)
Higher tiers require large ETHFI stakes (Luxe ~$5.2k, Pinnacle ~$34.7k at $0.347/ETHFI), significant capital + token-price risk; alternatively reachable by spend volume (~$3.3k/mo Luxe, ~$16.7k/mo Pinnacle via membership points) with no capital locked
EUR transactions earn a reduced cashback rate (0.1% top band) despite 0% FX
Excluded in ~20 US states and ~20 countries

Cashback plans

Core
1.7% effective
3.0% up to $2,000/mo, then 1.0% up to $3,000/mo, then 0.5% on the rest
$40 one-time· max $1,000/mo reward· paid in USDC
LuxeBest for you
3.0% effective
3.0% up to $10,000/mo, then 1.0% up to $20,000/mo, then 0.5% on the rest
No fee· max $1,000/mo reward· paid in USDC· requires ~$5,205 staked (or $3,334/mo spend)
Pinnacle
requires staking
3.0% up to $50,000/mo, then 1.0% up to $80,000/mo, then 0.5% on the rest
No fee· max $1,000/mo reward· paid in USDC· requires ~$34,700 staked (or $16,667/mo spend)

Fees

FX markup: 0% on USD & EUR transactions; 1% on all other currencies (per ether.fi/cash). Note: EUR keeps 0% FX but earns a reduced cashback rate (0.1% in the top band vs 0.5% for USD)
ATM: 2% per withdrawal
Spending (crypto→USD): $0; Borrow Mode interest ~4% APY
Funding / top-up: 0.2% fiat-to-crypto conversion + gas
Issuance: $40 refundable deposit (physical, Core; refunded on reaching Luxe). Luxe/Pinnacle first physical card free
Monthly: $0

Perks & benefits

Lounge access
Visa Airport Companion access (region-dependent)
Travel insurance
Auto-rental + baggage delay/loss cover (no medical or trip-cancellation)
Purchase protection
Purchase protection, extended warranty & price protection (Visa Signature)
Concierge
Visa concierge (crypto concierge on Pinnacle/VIP)
Offers & credits
Visa Luxury Hotel Collection + hotel discounts
Idle-balance yield
Idle balance ~5% APY (Liquid); Borrow Mode keeps crypto invested while you spend

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Sources & how we verify this

Researched June 2026 from official help.ether.fi articles + ether.fi legal gitbook + ether.fi/cash. RESOLVED CONFLICTS: (1) FX: marketing AND fee page state 0% on USD/EUR, 1% elsewhere; the '1% across all tiers' figure was a third-party legal-review reading. Modeled as 0%/1% per official source. (2) Payout token, per the official cashback help article: cashback 'displays as USDC' and is 'automatically credited as USDC'; legal T&C says generically 'tokens... at ether.fi's sole discretion' with USD value via oracle. USDC is current/authoritative; no current source says wETH. (3) $1,000/mo cap: CONFIRMED real in legal T&C ('maximum cashback rewards a user may earn is limited to $1,000 USD per month'), applies across ALL tiers; modeled via monthlyRewardCap on every plan. Luxe=15,000 ETHFI staked, Pinnacle=100,000 ETHFI staked (must STAKE as sETHFI, not just hold; alt path via membership points; unstaking below threshold reverts to Core, 30-day re-upgrade cooldown). requiresStake = ETHFI amount × $0.347 (CoinGecko/CMC, 2026-06-23), ESTIMATE, ETHFI price is volatile. VOLUME PATH (qualifyingMonthlySpend): tiers are also reachable via membership points instead of staking, modeled at ~3 points per $1 spent (Luxe 10k pts/mo ≈ $3,334/mo, Pinnacle 50k pts/mo ≈ $16,667/mo). Points rate/threshold is MEDIUM confidence and assumed steady-state monthly; when qualified by volume no capital is locked so the 15% token-depreciation cost does not apply. FX (verified July 2026 vs legal cardholder agreement + a real spend test ~0.98%): 0% on USD and EUR, ~1% on all other currencies; note the EUR 0% is currently in beta. Verify terms before publishing.

Card terms are researched and illustrative, so always confirm the latest with the issuer. Nothing here is financial advice.

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