ether.fi Cash Card
DeFi-native self-custody card with flat 3% wETH cashback on all purchases
5
+Pros
- True self-custody via Gnosis Safe wallets (you control private keys)
- Flat 3% cashback on all purchases (no categories or tiers)
- No staking required
- Low FX fees (0% on USD and EUR)
- Free virtual and physical cards
- Credit and debit modes
- Apple Pay and Google Pay support
- 100M+ merchant acceptance
- Repay anytime with no monthly minimums
- Hotel perks (up to 65% off + 5% cashback)
- DeFi-native innovation
- Fund from banks and exchanges
- Referral program (1% cashback on referral purchases)
−Cons
- Regional availability unclear (may not be available in all jurisdictions)
- 2% ATM withdrawal fee
- Newer platform with less track record
- wETH rewards subject to price volatility
- Self-custody means self-responsibility (no recovery if keys lost)
- Limited information on regulatory compliance
Features
Non-custodial Gnosis Safe wallet integrationNon-custodial Gnosis Safe wallet integration
Credit and debit modesCredit and debit modes
Flat 3% wETH cashback on all purchasesFlat 3% wETH cashback on all purchases
Monthly spending limits by tier (Core $2K, Luxe $10K, Pinnacle $50K, VIP invite-only)Monthly spending limits by tier (Core $2K, Luxe $10K, Pinnacle $50K, VIP invite-only)
Apple Pay and Google PayApple Pay and Google Pay
Virtual and physical cards (free)Virtual and physical cards (free)
100M+ merchant acceptance100M+ merchant acceptance
Repay anytime flexibilityRepay anytime flexibility
Fund from banks and exchangesFund from banks and exchanges
Membership points (3,000 points per $1,000 spent)Membership points (3,000 points per $1,000 spent)
Hotel booking perksHotel booking perks
Referral programReferral program
Fee Structure
Trading FeeN/A (DeFi-native, non-custodia
Withdrawal FeeATM withdrawals incur 2% fee across all tiers
Deposit FeeNone
Signup Bonus
None advertised
Free Club membership provides access to all card features. No signup bonus currently offered.
Expert Verdict
ether.fi Cash Card is a revolutionary non-custodial crypto card built on Gnosis Safe wallets, giving users true self-custody while earning flat 3% cashback in wETH on all purchases. The first DeFi-native card offering credit and debit modes without sacrificing control of private keys.