ether.fi Cash Card
DeFi-native self-custody card with 3% wETH cashback on first $2K/month
5
+Pros
- [True self-custody via Gnosis Safe wallets](https://www.spendnode.io/crypto-cards/ether-fi/) (you control private keys)
- [3% cashback on first $2K/month with no staking required](https://cryptocardguy.com/cards/ether-fi/)
- No annual fee or monthly fee
- [0% FX fees on EUR (beta) and USD](https://kkinvesting.io/en/posts/etherfi-cash-card-review/)
- Free virtual card
- Credit and debit modes with instant toggle (Direct Mode and Borrow Mode)
- Apple Pay and Google Pay support
- 100M+ merchant acceptance worldwide
- Repay anytime with no monthly minimums
- [Borrow against staked ETH without selling](https://www.ether.fi/cash) (tax-efficient)
- Hotel perks (up to 65% off + 5% cashback)
- Referral program (1% on referral purchases)
- Tiered cashback structure (3% up to $2K, 1% $2K-3K, 0.5% above $3K)
- All public tiers share identical fees
- [Liquid Vault earns 5%+ APR on idle USDC](https://cryptocardnavi.com/en/guides/etherfi-cash-review)
- Cashback deposited monthly to vault in wETH
- Non-custodial DeFi architecture eliminates counterparty risk
- $40 deposit is refundable
- Maximum cashback $1,000/month provides clear ceiling
- [Migrated to OP Mainnet in April 2026](https://gist.github.com) for better DeFi ecosystem access
- [15% cashback promo on AI merchants (OpenAI, xAI, ElevenLabs) June 2-16, 2026](https://etherfi.gitbook.io/etherfi/events/spend-eat-earn)
−Cons
- Newer platform with shorter track record (founded 2022)
- 2% ATM withdrawal fee with no free allowance
- [Cashback drops significantly after $2K/month](https://www.cardpilled.com/cards/etherfi) (1% at $2K-3K, 0.5% above $3K)
- wETH rewards subject to crypto price volatility
- Self-custody means self-responsibility (no recovery if keys lost)
- Self-custody requires understanding of wallet management
- Limited supported coins (approximately 11 tokens)
- Not suitable for users unfamiliar with DeFi or wallet management
- NOT available in US at launch (restricted in certain US states)
- Regional availability limited to 93 countries
- Credit mode creates tax complexity (borrowing vs spending)
- [1% FX fee on non-EUR/USD currencies](https://kkinvesting.io/en/posts/etherfi-cash-card-review/)
- Physical card requires $40 refundable deposit for Core tier and has 15+ business day delivery time
- Core tier has $2K monthly spending limit
- [UK availability confirmed with physical cards shipping
- FCA approval expected September 2026](https://www.defycard.com/faq/does-ether-fi-cash-work-in-europe/)
- EUR 0% FX labeled as beta and may change
- Maximum 3 ATM withdrawals per 24 hours
- $1,000/month cashback cap limits high-volume spenders
Features
[Non-custodial Gnosis Safe wallet integration](https://www.spendnode.io/crypto-cards/ether-fi/) (funds on OP Mainnet, migrated April 2026 from Scroll)[Non-custodial Gnosis Safe wallet integration](https://www.spendnode.io/crypto-cards/ether-fi/) (funds on OP Mainnet, migrated April 2026 from Scroll)
Credit and debit modes with instant toggle (Direct Mode: spend from balancesCredit and debit modes with instant toggle (Direct Mode: spend from balances
Borrow Mode: pledge assets as collateral)Borrow Mode: pledge assets as collateral)
[Tiered cashback (3% on first $2K/month, 1% $2K-3K, 0.5% above $3K) paid in wETH](https://help.ether.fi/en/articles/262374-how-does-cashback-how)[Tiered cashback (3% on first $2K/month, 1% $2K-3K, 0.5% above $3K) paid in wETH](https://help.ether.fi/en/articles/262374-how-does-cashback-how)
Maximum $1,000/month cashback rewardsMaximum $1,000/month cashback rewards
Monthly spending limits by tier (Core $2K, Luxe $10K, Pinnacle $50K, VIP unlimited)Monthly spending limits by tier (Core $2K, Luxe $10K, Pinnacle $50K, VIP unlimited)
Apple Pay and Google PayApple Pay and Google Pay
Virtual and physical cards (physical requires $40 refundable deposit, 15+ day delivery)Virtual and physical cards (physical requires $40 refundable deposit, 15+ day delivery)
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 perks (up to 65% off + 5% cashback)Hotel booking perks (up to 65% off + 5% cashback)
Referral program (1% cashback on referrals)Referral program (1% cashback on referrals)
Three virtual cards per accountThree virtual cards per account
Spend against staked ETH collateralSpend against staked ETH collateral
0.2% fiat-to-crypto conversion0.2% fiat-to-crypto conversion
[Liquid Vault with 5%+ APR on USDC](https://cryptocardnavi.com/en/guides/etherfi-cash-review)[Liquid Vault with 5%+ APR on USDC](https://cryptocardnavi.com/en/guides/etherfi-cash-review)
Cashback deposited monthly to vaultCashback deposited monthly to vault
Four membership tiersFour membership tiers
Quarterly ETHFI bonus from 2M token poolQuarterly ETHFI bonus from 2M token pool
Self-custody architecture with user-controlled private keysSelf-custody architecture with user-controlled private keys
[0% FX on EUR (beta) and USD](https://kkinvesting.io/en/posts/etherfi-cash-card-review/)[0% FX on EUR (beta) and USD](https://kkinvesting.io/en/posts/etherfi-cash-card-review/)
Fee Structure
Trading FeeN/A (DeFi-native, non-custodia
Withdrawal Fee[2% ATM withdrawal fee across all tiers](https://cryptocardn
Deposit FeeNone; [0.2% fiat-to-crypto conversion fee applies when fundi
Signup Bonus
None
Free Core membership provides access to all card features. No signup bonus currently offered. Four membership tiers based on portfolio balance: Core (free, $40 refundable deposit for physical card), Luxe ($5K min), Pinnacle ($50K min), VIP (invite-only). Monthly spending limits scale by tier: Core $2K, Luxe $10K, Pinnacle $50K, VIP unlimited. [Cashback deposited monthly to vault in wETH](https://help.ether.fi/en/articles/262374-how-does-cashback-work), capped at $1,000/month maximum rewards. Physical card delivery takes 15+ business days. [UK physical cards now shipping; FCA licensing expected September 2026](https://kkinvesting.io/en/posts/etherfi-cash-card-review/).
Expert Verdict
[ether.fi Cash Card is a revolutionary non-custodial crypto card](https://www.ether.fi/cash) built on Gnosis Safe wallets and OP Mainnet (migrated April 2026). [Offers dual modes: Direct Pay (spend balances) and Borrow Mode (borrow against staked ETH at 4% APY)](https://cryptocardnavi.com/en/guides/etherfi-cash-review). [Available in 93 countries as of June 2026](https://www.defycard.com/faq/does-ether-fi-cash-work-in-europe/), with UK physical cards shipping now and FCA licensing expected September 2026.
