Ether.fi Cash Card
The only non-custodial Visa Signature credit card that lets you spend against your DeFi collateral — without selling your crypto. Earn up to 3% cashback in wETH on every purchase, automatically.
Affiliate disclosure: We may earn a commission if you apply via our link. This does not affect our review.
Editor's Verdict
The Ether.fi Cash Card is the best option for DeFi power users who want to spend against their collateral without selling their principal position. The 3% wETH cashback is competitive, the non-custodial model is genuinely unique, and the $0 annual fee makes it accessible at every tier. The main limitations are the US exclusion and the Loyalty Points requirement for premium tiers.
What is the Ether.fi Cash Card?
The Ether.fi Cash Card is a Visa Signature credit card built on a fundamentally different model than traditional crypto debit cards. Instead of topping up a balance with stablecoins, this card connects to a non-custodial smart contract wallet. When you swipe the card, the system can borrow against your yield-bearing assets — such as eETH — rather than selling them immediately.
This distinction matters significantly for investors who want to maintain their crypto exposure and continue earning staking yields while accessing liquidity for everyday spending. Your assets are never held by Ether.fi; they remain under your full control in a smart contract at all times.
The rewards structure is straightforward: every qualifying purchase earns up to 3% cashback in wETH, deposited automatically to your connected wallet. No manual claiming, no lock-up period, and no staking requirement for the Core tier.
Membership Tiers
All three tiers offer 3% cashback. Higher tiers unlock higher monthly spend limits and exclusive perks.
Core
FreeLuxe
Most PopularPinnacle
ElitePros & Cons
Advantages
- Up to 3% cashback paid automatically in wETH — no claiming needed
- Non-custodial — your crypto stays under your control on-chain
- No annual fee across all membership tiers
- Apple Pay and Google Pay supported globally
- 0% FX fees on EUR and USD transactions
- Visa Signature: purchase protection & extended warranty included
- Corporate cards available for crypto-native businesses
Limitations
- Full KYC required — not suitable for privacy-focused users
- Not available in the United States, China, or North Korea
- 2% ATM withdrawal fee applies
- 1% FX fee on non-EUR/USD currency transactions
- Higher cashback tiers require Loyalty Points accumulation
- $40 physical card issuance fee at Core tier
How It Works
Get set up in four simple steps
Create Account
Sign up and complete full KYC verification via the ether.fi app or web portal.
Get Your Card
Receive an instant virtual Visa Signature card. Order a physical card for in-store use.
Spend & Earn
Every qualifying purchase earns up to 3% cashback in wETH, deposited automatically.
Stay in Control
Your assets are never held by Ether.fi. Spend against your collateral without selling.
How It Compares
| Feature | Ether.fi | Gnosis Pay | Kolo | Bybit Card |
|---|---|---|---|---|
| Cashback Rate | Up to 3% wETH | Up to 4% GNO | 5% BTC | 2%–10% |
| Annual Fee | $0 | $0 | $0 | $0 |
| FX Fee | 0% EUR/USD | 0% | 0% | 0.5% EEA |
| Custody Model | Non-custodial | Non-custodial | Custodial | Custodial |
| KYC Required | Full KYC | Full KYC | Light KYC | Full KYC |
| US Available | No | No | No | No |
| Apple/Google Pay | Yes | Yes | Yes | Yes |
| Network | Visa Signature | Visa | Visa | Visa |
Frequently Asked Questions
Ready to Get the Ether.fi Cash Card?
Join thousands of DeFi users earning wETH cashback on every purchase. Apply takes under 5 minutes — your crypto stays in your wallet throughout.
Affiliate disclosure: We may earn a commission at no cost to you. Our editorial review is independent.