Binance Card vs ether.fi Cash
Side by side at your spend: what each card pays back after fees and FX, where you can get it and what it includes.
a month in
All amounts in US dollars
ether.fi Cash pays back $2.00 more a month than Binance Card at this spend.
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| Detail | Binance Card | ether.fi Cash |
|---|---|---|
| Plan at this spend | Tier 3 ($1,000+ monthly spend) | Core |
| Paid in | USDC | ETHFI |
| FX on your spend | 0.1% | 0% |
| Yearly fee | None | $199 or $999 |
| Network | Mastercard | Visa |
| Card type | Prepaid | Credit |
| Custody | Custodial | Self-custody |
| Available in | Australia, Asia-Pacific, Elsewhere | US, UK, EU, Canada, Australia, Asia-Pacific, Elsewhere |
| Perks | None listed | Lounge access, Travel insurance, Purchase protection, Concierge, Discounts & offers, Earn yield, Borrow vs crypto, Metal card |
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.
Binance Card
- No issuance, monthly or annual fee
- Cashback paid in USDC, and the month's highest tier applies to all of that month's spend
- Spending USDC costs only a 0.1% conversion fee
- A 3% foreign transaction fee in Australia (2% in several other markets) outweighs the cashback on local-currency spend
- Cashback is capped at US$100 a month (Binance's cashback FAQ, updated 25 Sep 2026)
ether.fi Cash
- 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
- Cashback is now paid in ETHFI, a volatile token, rather than the USDC it previously credited
- Cashback rate steps down sharply above the 3% band (1% then 0.5%)
More: other comparisons, every card at your spend, or the cashback list.