ether.fi Cash vs XPlace
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 $48.25 more a month than XPlace at this spend.
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| Detail | ether.fi Cash | XPlace |
|---|---|---|
| Plan at this spend | Core | Silver |
| Paid in | ETHFI | USDC |
| FX on your spend | 0% | 0% |
| Yearly fee | $199 or $999 | $99, $249 or $999 |
| Network | Visa | Visa |
| Card type | Credit | Credit |
| Custody | Self-custody | Self-custody |
| Available in | US, UK, EU, Canada, Australia, Asia-Pacific, Elsewhere | US, UK, EU, Canada, Australia, Asia-Pacific, Elsewhere |
| Perks | Lounge access, Travel insurance, Purchase protection, Concierge, Discounts & offers, Earn yield, Borrow vs crypto, Metal card | Lounge access, Concierge, Discounts & offers, Earn yield, Borrow vs crypto |
XPlaceGeneral 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.
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%)
XPlace
- Non-custodial: user keys, Kamino Finance smart contracts, XPlace cannot access funds
- Earn variable yield on collateral via Kamino while spending (x.place listed SOL 6.15% and USDT 3.26% APY on 28 Sep 2026)
- No sell event / taxable event in Credit Mode: borrow against crypto, not sell
- US program exists but 19 states are excluded from issuance (and the T&Cs separately list NY/TX as restricted)
- Cash Mode (spending your own USDC) pays no cash back, only XP points, which the terms say have no cash value
More: other comparisons, every card at your spend, or the cashback list.