Ether.fi Card
- Popular Card in LATAM, supports PIX
- Nice Travel Perks, hotel discounts
- 0% Foreign Exchange Fee
- Physical Card costs $40
- Max 750$ Daily ATM Withdrawal limit
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | 0% + Gas Fees |
| Highest Cashback | up to 3% |
| Entry-Level Cashback | 3% |
| Entry-Level Cashback Monthly Cap | 60 USD |
| Daily Spending Limit | 50,000 USD |
| Daily ATM Withdrawal Limit | 750 USD |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Blockchains | ArbitrumBaseEthereumHyperEVMScroll |
| Supported Cryptocurrencies | frxUSDliquidUSDUSDCUSDT |
| Supported Countries | AndorraUnited Arab EmiratesAfghanistanAntigua and BarbudaAnguillaAlbaniaArmenia |
EtherFi Card Benefits and Rewards
Ether.fi offers up to 3% cashback for USD transactions, and up to 2% for EUR card transactions. Your cashback rate decreases as your monthly spending increases, and the maximum cashback is capped, depending on your tier.
You earn membership points by staking assets, holding funds in Liquid Vaults, and spending with the ether.fi Cash card, and earning more points each month qualifies you for higher membership tiers.
Cashback for Card Transactions in USD
| Monthly Spend | Core | Luxe | Pinnacle |
| $0-$2,000 | 3%
($60 max) |
3%
($60 max) |
3%
($60 max) |
| $2,000-$3,000 | 1%
($70 max) |
3%
($90 max) |
3%
($90 max) |
| $3,000-$10,000 | 0.5%
($105 max) |
3%
($300 max) |
3%
($300 max) |
| $10,000-$20,000 | 0.5%
($210 max) |
1%
($400 max) |
3%
($600 max) |
| $20,000-$50,000 | 0.5%
($360 max) |
0.5%
($550 max) |
3%
($1,000 max) |
| $50,000-$80,000 | 0.5%
($510 max) |
0.5%
($700 max) |
1%
($1,000 max) |
| $80,000+ | 0.5%
($1000 max) |
0.5%
($1000 max) |
0.5%
($1,000 max) |
Even though 3% cashback sounds high, if you spend $3,000 per month, you would earn about $90 in cashback, which shows the actual value you get with this card.
Reality CheckAlthough other cards may advertise higher cashback rates, entry-level users with 1,000 USD in assets typically receive much lower cashback rates from those cards. When compared at the entry-level tier, Ether.fi Card's 3% cashback offers more value:
| Ether.fi Card | Industry Average1 | |
| Entry Level Cashback | 3% | 1% |
| Entry Level Cashback Monthly Cap | 60 USD | 50 USD |
Cashback for Card Transactions in EUR
| Monthly Spend | Core | Luxe | Pinnacle |
| $0-$2,000 | 2%
($40 max) |
2%
($40 max) |
2%
($40 max) |
| $2,000-$3,000 | 0.5%
($45 max) |
2%
($60 max) |
2%
($60 max) |
| $3,000-$10,000 | 0.1%
($52 max) |
2%
($200 max) |
2%
($200 max) |
| $10,000-$20,000 | 0.1%
($62 max) |
0.5%
($250 max) |
2%
($400 max) |
| $20,000-$50,000 | 0.1%
($92 max) |
0.1%
($280 max) |
2%
($1000 max) |
| $50,000-$80,000 | 0.1%
($122 max) |
0.1%
($310 max) |
0.5%
($1000 max) |
| $80,000+ | 0.1%
($1000 max) |
0.1%
($1000 max) |
0.1%
($1000 max) |
The maximum cashback rewards you can earn is limited to $1,000 USD per month.
Ether.fi Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Ether.fi Card differs from a traditional debit card, where the balance is linked directly to your bank account.
With Ether.fi, you'll need to top up your card before use. It should be noted that Ether.fi doesn't offer a bank account with this card, as some crypto cards do, which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It Comes in Both Physical and Virtual Forms
You can get Ether.fi Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 40 USD | Cost to Order: 0 USD |
You will find the physical Ether.fi Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
Crypto-to-USD Conversion Cost with Ether.fi Card
Ether.fi Card Converts Your Crypto on Demand
Ether.fi Card offers instant conversion to USD at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to USD Cost | 0% + Gas Fees |
Low Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Ether.fi Card is much more cost-effective (0% + Gas Fees). This means that you will get more USD for your crypto when using this card.
From all crypto cards we reviewed, KAST Card, WhiteBIT Card and Kolo Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.28% and ~0.32% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Ether.fi Card Compare to Other Crypto Cards?
Ether.fi Card ranks #10 out of 65 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.
In addition, Ether.fi Card ranks #4 out of 16 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of Ether.fi Card against its 65 competitors:
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Their customer service is very good with a 9/10 score (others score only 7.3/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
- Their overall fees & limits structure is incredibly generous, with a score of 9.4/10 (average fees & limits structure rating amongst other cards is 5.8/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 65 competitors, here are the shortcomings of Ether.fi Card:
- Daily spend is capped at 50,000 USD (while other cards offer 88,000 USD daily spend limit on average).
- Supports only 4 cryptocurrencies (while other cards support an average of 15).
- Doesn't offer any free ATM withdrawals (in contrast to 40% of crypto cards which offer an average of 200 USD free withdrawal allowance per month).
Ether.fi Card vs. Metamask Card vs. Gnosis Card
Ether.fi Card
|
Metamask Card
|
Gnosis Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | 0% + Gas Fees | 0% + Gas Fees | 0% + Gas Fees |
| Highest Cashback | up to 3% | None | up to 5% |
| Entry-Level Cashback | 3% | None | 2% |
| Daily Spending Limit | 50,000 USD | 8,750 EUR | 8,000 EUR |
| Daily ATM Limit | 750 USD | N/A (Virtual-Only Card) | 500 EUR |
| Foreign Exchange Fee | 0% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 4 | 3 | 2 |
| Apple Pay | Enabled | Enabled | Not Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Well-Known | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Ether.fi Card offers the highest daily spending limit of 50,000 EUR. You will get lower daily limits with Metamask Card and Gnosis Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Gnosis Card offers the best cashback rewards of up to 5%. The cashback rewards for Ether.fi Card are not as high. With Metamask Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Ether.fi Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in USD
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Ether.fi Card:
Starting with an initial amount of 200 USD in USDT, the ATM withdrawal with Ether.fi Card will cost you a total of ~7 USD (3.5% of 200 USD), resulting in a final cash withdrawal of 193 USD in hand.
Doesn't Ether.fi Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 40% of competing cards offer free ATM withdrawals, typically allowing up to 200 USD per month without fees.
International non-USD ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Ether.fi Card, here's what it will look like:
For an international withdrawal using your Ether.fi Card with an initial 200 USD in USDT, you'll incur fees totaling ~13 USD (6.5% of 200 USD), leaving you with 187 USD in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Ether.fi Card is more cost-effective for both local and international ATM withdrawals:
| Cost with Ether.fi Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~7 USD (3.5% of 200 USD) | ~9.2 USD (4.6% of 200 USD) |
| International ATM Withdrawals | ~13 USD (6.5% of 200 USD) | ~18.2 USD (9.1% of 200 USD) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% of 200 USD respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 USD.
Ether.fi Promo Code - to Get 15% Cashback on Dining, Groceries And Ride Sharing
You can use promo code f71695ab to get 15% Cashback on dining, groceries and ride sharing.
Here's how you can enter the promo code when signing up:
..or, just click here.
Your bonus will be paid out to you right after you sign up and spend with Ether.fi card.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is Ether.fi Card Available for Residents of United States?
Yes, Ether.fi Card is available for residents of United States.
Ether.fi Card supports the following countries: Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius, and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo Republic, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, DR Congo, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Federated States of Micronesia, Fiji, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard and McDonald Islands, Honduras, Hong Kong, Iceland, Indonesia, Iran, Ireland, Isle of Man, Italy, Ivory Coast, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Sudan, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 14 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
