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ether.fi Cash

A self-custody Visa card that pays cashback in ETHFI. 6 plans, from free to $999 a year. No FX fee on US dollars or euros. Other currencies cost 1.5% on Core, 1.25% on Luxe and 1% on Pinnacle and VIP.

Short answer: At $2,000 a month in the US, ether.fi Cash pays back $60.00 a month after fees and FX. That’s a real cashback rate of 3.0%, against an advertised rate of up to 4%. In our own test, purchases outside US dollars cost 1.32% over the market rate, against the 1% it publishes (73 purchases, 1 Aug 2026 to 30 Sep 2026).

Terms checked Our full testHow we work it out

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All amounts in US dollars

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$60.00 a month

Advertised up to 4% , real cashback rate 3.0%, on the Core plan

$60.00 cashback$0.00 card fees$0.00 FX and other fees

Go to ether.fi Card

Affiliate link: we may earn a commission if you sign up.

Pick a plan

ether.fi Cash has four plans: Core, Luxe, Pinnacle and VIP.

  • Core is free and pays 3% on the first $2,000 a month, then 1% on the next $1,000, then 0.5%.
  • Luxe costs $199 a year, or needs 30,000 ETHFI locked up or $5,000 a month of spending instead. It pays 3% on the first $10,000 a month, then 1% on the next $10,000, then 0.5%.
  • Pinnacle costs $999 a year, or needs 150,000 ETHFI locked up or $25,000 a month of spending instead. It pays 3% on the first $50,000 a month, then 1% on the next $30,000, then 0.5%.
  • VIP needs 500,000 ETHFI locked up and pays 4% on the first $50,000 a month, then 0.5%.

The FX fee on purchases outside US dollars and euros is 1.5% on Core, 1.25% on Luxe and 1% on Pinnacle and VIP. At $2,000 a month in the US, Core pays back the most of the four.

  • Pays the most

    Core

    Free, 3% on the first $2,000, then 1% on the next $1,000, then 0.5%, up to $1,000 a month back

    • Extra 2% back on hotels booked through ether.fi Travel

    $60.00 a month, 3.0%

  • Luxe ($199/yr)

    $199 a year, 3% on the first $10,000, then 1% on the next $10,000, then 0.5%, up to $1,000 a month back

    • Extra 10% back on AI subscriptions like ChatGPT, Claude and Cursor, up to $10 a month
    • Extra 10% back on streaming like Netflix, Spotify and Disney+, up to $10 a month
    • Extra 2% back on hotels booked through ether.fi Travel

    $43.42 a month, 2.2%

  • Luxe (stake or spend)

    Free, 3% on the first $10,000, then 1% on the next $10,000, then 0.5%, up to $1,000 a month back

    To unlock: 30,000 ETHFI

    About $22,000 at a recent price

    Or spend $5,000 a month instead

    Locking the tokens never pays for itself, at any spend

    • Extra 10% back on AI subscriptions like ChatGPT, Claude and Cursor, up to $10 a month
    • Extra 10% back on streaming like Netflix, Spotify and Disney+, up to $10 a month
    • Extra 2% back on hotels booked through ether.fi Travel

    Doesn't pay for itself at this spend

  • Pinnacle ($999/yr)

    $999 a year, 3% on the first $50,000, then 1% on the next $30,000, then 0.5%, up to $1,000 a month back

    • Extra 20% back on AI subscriptions like ChatGPT, Claude and Cursor, up to $20 a month
    • Extra 20% back on streaming like Netflix, Spotify and Disney+, up to $20 a month
    • Extra 2% back on hotels booked through ether.fi Travel

    −$23.25 a month, −1.2%

  • Pinnacle (stake or spend)

    Free, 3% on the first $50,000, then 1% on the next $30,000, then 0.5%, up to $1,000 a month back

    To unlock: 150,000 ETHFI

    About $110,000 at a recent price

    Or spend $25,000 a month instead

    Locking the tokens never pays for itself, at any spend

    • Extra 20% back on AI subscriptions like ChatGPT, Claude and Cursor, up to $20 a month
    • Extra 20% back on streaming like Netflix, Spotify and Disney+, up to $20 a month
    • Extra 2% back on hotels booked through ether.fi Travel

    Doesn't pay for itself at this spend

  • VIP (500,000 ETHFI)

    Free, 4% on the first $50,000, then 0.5%, up to $1,000 a month back

    To unlock: 500,000 ETHFI

    About $367,000 at a recent price

    Locking the tokens never pays for itself, at any spend

    • Extra 30% back on AI subscriptions like ChatGPT, Claude and Cursor, up to $30 a month
    • Extra 30% back on streaming like Netflix, Spotify and Disney+, up to $30 a month
    • Extra 2% back on hotels booked through ether.fi Travel

    Doesn't pay for itself at this spend

Pays for itself means the tier pays you back more than this card's plans that need nothing held, even after the cost of holding. We count that cost as 15% a year of the tokens' value, or 4% a year of interest on any balance above a month of spending. Token prices come from CoinGecko.

What you keep as spend grows

0%1%2%3%4%$1k$2.5k$5k$7.5k$10kAdvertised: up to 4%3% at $2,000

Hover the line to see other amounts.

Effective rate after fees in the US, on the plan that pays most at each spend. Where the line turns down, a monthly cap has been reached.
Show as a table
Monthly spendWhat you keepPlan
$2503%Core
$5003%Core
$7503%Core
$1,0003%Core
$1,5003%Core
$2,0003%Core
$2,5002.6%Core
$3,0002.45%Luxe ($199/yr)
$4,0002.59%Luxe ($199/yr)
$5,0003%Luxe (stake or spend)
$6,0003%Luxe (stake or spend)
$7,5003%Luxe (stake or spend)
$10,0003%Luxe (stake or spend)

Every fee

Core is free. Luxe costs $199 a year and Pinnacle $999, unless you stake ETHFI or spend enough each month instead. VIP needs 500,000 ETHFI staked. Outside US dollars and euros, spending costs 1.3% to 1.8% depending on the plan, Visa’s exchange rate included. In our own test it came to 1.32% on Pinnacle and 1.7% on Core.

Yearly fee
$199 or $999Depends on the plan
FX fee
0% on USD & EUR; other currencies carry a 1% base plus a tier-dependent surcharge: up to 1.5% (Core), up to 1.25% (Luxe), 0% added on Pinnacle/VIP. Note: EUR keeps 0% FX but earns a reduced cashback rate (0.1% in the top band vs 0.5% for USD)
Conversion fee
$0; Borrow Mode interest is a variable Aave v4 rate (~4%)
Topping up
0.2% fiat-to-crypto conversion + gas
ATM withdrawals
Free on every tier: 10 withdrawals a month on Core and Luxe, unlimited on Pinnacle and VIP (help center, 24 Oct 2026). $5,000 per withdrawal, up to 5 withdrawal attempts (declined ones included) and $25,000 in any rolling 24 hours, on every tier (help center, 29 Oct 2026). No fee is published for withdrawals past the 10 on Core and Luxe
Card issue
Core: virtual and physical card free (the ether.fi app, 24 Oct 2026; its help center mentions a shipping fee). Luxe and above include a free metal card with shipping; Pinnacle and VIP get express shipping, and VIP's card is gold
Monthly fee
$0

Our own test

Our fee test · On Pinnacle · 73 non-USD purchases on our own card

We actually paid 1.32% above the mid-market rate, against 1.00% in advertised fees, and received 3.00% cashback.

Read the full fee test: 185 purchases, every currency →

Where these numbers come from

ether.fi Cash's published terms, checked . Where sources disagree, we go with the less generous reading.

What changed on this card

  • Free ATM withdrawals on every tierether.fi now lists ATM withdrawals as free on every tier: 10 a month on Core and Luxe, and unlimited on Pinnacle and VIP. Before, only Pinnacle and VIP had free withdrawals, 10 a month. The limits stay at $5,000 a withdrawal and up to 5 withdrawals or $25,000 in any 24 hours.ether.fi help center: membership level benefitsTerms update
  • Account protection isn't live yetether.fi now marks its account balance protection as coming soon, and its help center says the program isn't live yet, though its legal terms give an effective date of 4 Sep. The help center says nothing is covered until it launches.ether.fi help center: Cash Protection ProgramTerms update
  • Lounge passes paid back on Luxe and upether.fi now pays back lounge passes bought in the Visa Airport Companion app in full, up to $49 a pass: 2 a year on Luxe and unlimited on Pinnacle and VIP. Core isn't included. It covers passes bought from 20 Oct.ether.fi help center: airport lounge accessPays more
  • Higher ATM limitsEvery tier can now take out $5,000 a withdrawal, up to 5 withdrawals and $25,000 in any 24 hours. Before, it was $1,000 a withdrawal and $5,000 a day. The help article changed on 16 Oct.ether.fi help center: ATM withdrawal limitsTerms update
  • Core physical card now free apart from shippingether.fi's help center now lists the Core physical card as free, with a shipping fee. On 12 Sep it was a $50 non-refundable fee. We saw the change on 28 Sep; the exact date isn't published.ether.fi help center: membership level benefitsTerms update
  • Membership levels overhauledether.fi raised the stake for Luxe to 30,000 ETHFI and Pinnacle to 150,000, added $199 and $999 yearly subscriptions and a 500,000 ETHFI VIP tier, and made the FX fee depend on tier.ether.fi help center: membership levelsTerms update

What's good and what to watch

Good

  • 3% cashback on the first $2,000/mo (Core), scaling to $10k (Luxe) / $50k (Pinnacle), and 4% on VIP
  • 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
  • Luxe and Pinnacle can now be unlocked for a flat $199/yr or $999/yr, with no token to stake

Watch

  • Cashback is paid in ETHFI, a volatile token, and is locked for 7 days before you can claim it, with a $5 minimum
  • Cashback rate steps down sharply above the 3% band (1% then 0.5%)
  • The staking path got much more expensive: Luxe now needs 30,000 ETHFI (~$20.5k) and Pinnacle 150,000 (~$102k) at $0.68/ETHFI, versus 15,000/100,000 before
  • A $1,000/mo total cashback cap is no longer stated as a figure, but ether.fi reserves the right to cap rewards at its discretion, so we still model $1,000/mo conservatively
  • EUR transactions earn a reduced cashback rate (0.1% top band) despite 0% FX
  • Excluded in 17 US states and ~20 countries, and the official lists contradict each other

ETHFI price

Borrow against your crypto (credit)Borrow Mode

Instead of selling, spend by borrowing USDC against your ETH/weETH (up to ~55% LTV, or 80–90% on stables) while that collateral keeps earning staking yield. Now routed through Aave v4 at a variable rate (~4%), with no grace period.

It's a loan: rates vary, and your collateral can be liquidated if prices fall.

At a glance

Network
Visa
Custody
self-custodial
Card type
credit
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
OptimismEthereumArbitrumBaseHyperEVM
Tokens
USDCUSDTweETH
Availability
US (~33 states), EU/EEA (partial), UK, Australia, Singapore, UAE
Not offered in
Israel and Turkey
Signing up
ether.fi leaves out 17 US states: AZ, DE, GA, ID, LA, MD, MT, NV, NM, ND, OH, OR, RI, SD, VT, WA and WI. Canada is out too, under the Terms of Use of 9 Sep 2026. Australia, the UK, Singapore and the UAE are on its list, and the EU/EEA is partial (Estonia, Finland, Hungary and the Netherlands are out). China, India, Russia and a few more countries are also out. ether.fi's own lists disagree, and a newer help article claims wider coverage, so confirm at sign-up.
KYC
Required
Extra rewards
Points program
Funding
Self-custodial Safe vaultStablecoins (Direct Pay)weETH collateral (Borrow Mode)
Spending limit
Default $5,000/day on the card and $10,000/day from the vault (not tier-differentiated in the current docs)
ATM limit
$5,000 per withdrawal · 5 withdrawal attempts (declined ones included) and $25,000 in any rolling 24 hours (every tier)

Perks and benefits

  • Lounge access
    Lounge passes bought in the Visa Airport Companion app are paid back in full, up to $49 a pass, for passes bought after 20 Oct 2026: 2 a year on Luxe, unlimited on Pinnacle and VIP, none on Core. One visit a day, no guests
  • Travel insurance
    Auto-rental cover (Visa Signature). ether.fi's current pages don't list baggage, flight or medical cover
  • Purchase protection
    Purchase protection up to $10,000, extended warranty up to $10,000 and price protection up to $2,000 (Visa Signature)
  • Concierge
    Visa concierge on every tier; a dedicated account team on Pinnacle, and support from the CEO and team on VIP
  • Offers & credits
    Visa Luxury Hotel Collection + hotel discounts; 25% back on airport fast-track programs such as Global Entry and TSA PreCheck, up to $25 a year on Pinnacle and $50 on VIP
  • Idle-balance yield
    Idle balance ~5% APY (Liquid); Borrow Mode keeps crypto invested while you spend. Account balance protection is announced but not live yet

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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.

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