#1
Jupiter Global Card
8.9/10
Ranked #2 of 32
Overview
Ether.fi Cash is a self-custodial Visa credit card built on ether.fi's liquid restaking protocol. The card is accepted at 100M+ Visa locations with Apple Pay and Google Pay support. The issuer is a Puerto Rico-licensed money transmitter, not a bank.
★ Ether.fi Card referral code
ETHCARD100
New users who sign up with this code typically receive sign-up bonus rewards after completing eligible activity. Referrers earn an additional 1% cashback on every purchase made by their referrals. Rewards vary by region and are set by Ether.fi.
Rating breakdown
How the Ether.fi Card scores across the categories we weigh into its overall 8.8/10.
Fees & value8.4
Rewards9.0
Ease of use7.8
Security & custody9.4
Availability8.0
Cashback & rewards
Ether.fi Cash pays 3% cashback at the Core (free) tier, credited automatically as wETH to your Liquid Vault with no claiming. The rate steps down progressively by monthly spend, 3% on the first ~$2,000, 1% from $2–3K, and 0.5% above $3K (higher tiers extend the 3% band). Cashback is paid in wETH, which keeps ETH exposure.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Core | Free, no stake | 3% (first ~$2K/mo) | $1,000/mo cashback cap |
| Luxe | 10K points or 15K ETHFI staked | 3% (wider band) | Extended |
| Pinnacle | 50K points or 100K ETHFI staked | 3% (widest band) | Extended |
| VIP | Invite-only | Undisclosed | Undisclosed |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | Free |
| Card issuance | Free |
| Card spend (USD)Fee on purchases made in US dollars | 0 |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1% |
| ATM withdrawals | 2% max $250/24h (3 attempts) |
How to get the Ether.fi Card
- 1. Download the ether.fi app (iOS or Android) or visit ether.fi/cash.
- 2. Complete KYC verification (government ID + selfie).
- 3. Enter referral code CryptoCardsPerks during sign-up to claim any welcome perk.
- 4. Fund it via crypto (Ethereum, Scroll, Base), bank transfer.
- 5. Choose Direct Pay (spend USDC) or Borrow Mode (borrow against staked ETH).
- 6. Activate your virtual card and add it to Apple Pay or Google Pay.
- 7. Order the physical card if you want in-store/ATM access (refundable deposit at Core tier).
Pros & cons
Pros
- 3% cashback in wETH across all free public tiers
- Genuinely non-custodial — funds stay in your own Safe vault
- Borrow Mode lets you spend against staked ETH without selling (tax-efficient)
- No annual or monthly fee, no credit checks
- 0% fee on USD purchases
- Physical and virtual cards, Apple Pay and Google Pay
- Full Visa Signature protections (purchase, price, warranty, travel)
Cons
- 1% FX fee on non-USD spending (several competitors charge 0%)
- ATM withdrawals cost 2%, capped at $250/24h
- Legal terms cap cashback at $1,000/month (not stated in marketing)
- Requires full KYC (government ID + selfie)
- Not available in ~20 US states and several countries
- Borrow Mode carries liquidation risk
- DeFi-first interface has a learning curve for beginners
Is It Worth It?
Best for DeFi-engaged ETH holders outside the excluded regions who want to spend against their holdings without selling. Ideal for Ethereum restakers who want staking yield, points, and cashback simultaneously, and for USD-primary spenders who can avoid the 1% FX fee. Not ideal for crypto beginners, heavy non-USD/ATM users, or anyone wanting a simple spend-from-balance card.
Where you can use it
Supported countries
Available in 43 countries
🇺🇸 United States
🇨🇦 Canada
🇬🇧 United Kingdom
🇩🇪 Germany
🇫🇷 France
🇮🇹 Italy
🇪🇸 Spain
🇵🇹 Portugal
🇦🇹 Austria
🇨🇭 Switzerland
🇸🇪 Sweden
🇳🇴 Norway
🇩🇰 Denmark
🇮🇪 Ireland
🇬🇷 Greece
🇨🇿 Czech Republic
🇵🇱 Poland
🇷🇴 Romania
🇧🇬 Bulgaria
🇱🇹 Lithuania
🇸🇬 Singapore
🇯🇵 Japan
🇰🇷 South Korea
🇹🇭 Thailand
🇲🇾 Malaysia
🇮🇩 Indonesia
🇸🇦 Saudi Arabia
🇦🇪 United Arab Emirates
🇭🇰 Hong Kong
🇹🇼 Taiwan
🇦🇺 Australia
🇳🇿 New Zealand
🇧🇷 Brazil
🇦🇷 Argentina
🇲🇽 Mexico
🇿🇦 South Africa
Puerto Rico
Costa Rica
Panama
🇵🇪 Peru
🇨🇱 Chile
🇨🇴 Colombia
Uruguay
No match in the supported list.
Not supported
Not available in 18 countries
Belarus
Bangladesh
🇨🇳 China
Cuba
🇮🇳 India
Iraq
Israel
Nepal
North Korea
Russia
Iran
Syria
Venezuela
🇵🇭 Philippines
🇪🇪 Estonia
🇭🇺 Hungary
🇳🇱 Netherlands
🇵🇰 Pakistan
No match in this list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the Ether.fi Card offer cashback?
Yes. It pays 3% cashback at the free Core tier, credited automatically as wETH to your vault. The rate steps down as monthly spend rises, and legal terms cap cashback at $1,000 per month.
Is the Ether.fi Card available in my country?
It's available in the US (except ~20 states), the EEA, and Brazil, with UK access pending FCA licensing. Around 20 countries are excluded. Always confirm your country on ether.fi's official site before applying.
Does the Ether.fi Card require KYC?
Yes. It requires standard KYC, a government ID and a selfie, during sign-up.
Is the Ether.fi Card custodial or self-custodial?
It's non-custodial. Your funds stay in a self-controlled Safe vault and ether.fi never holds your crypto.
What network does the Ether.fi Card run on?
It runs on the Visa network as a Visa Signature credit card, accepted at 100M+ locations, and works with Apple Pay and Google Pay.
How does Borrow Mode work?
You pledge staked ETH (eETH/weETH) as collateral and borrow against it at about 4% APY to spend, without selling — so your ETH keeps earning. It carries liquidation risk if collateral falls below the threshold.
