Ether.fi Cash Card
by Ether.fi
- Monthly fee
- Free
- Card fee
- $40.00
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Ether.fi Cash Card lets you borrow against crypto collateral, with 0% interest during promotions, up to 3% cashback and yield on deposits. It is the top-rated DeFi credit card, so long as you clear onboarding and manage liquidation risk.
What we like
- +Up to 3% cashback on all purchases with no category caps
- +0% borrowing rate during promotional periods
- +Yield on deposited assets through Liquid Vaults
- +Non-custodial, with no late fees or minimum payments
- +Ranked first in The Block's 2025 crypto card rankings
Watch out for
- −Enough collateral must be kept to avoid liquidation
- −2% ATM withdrawal fee
- −Unavailable in the US, India, Indonesia and the Netherlands
- −Hard for crypto beginners to follow
- −Newer platform with a shorter track record
7.8/10
Editor score
Good
6.3/10
User rating
Based on 63 sources
Lv 3
KYC Level
ID verification
Global
Availability
3 countries excluded
Card Overview
Rewards
- Cashback
- 4%
- Cashback Crypto
- WETH
- Staking Rewards
- Staking APR
- 5%
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $40.00
- ATM Fee
- 2%
- FX Fee
- 1%
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- $30,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $250
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
6.3/10
Sourced from
Based on two research passes from July 2026, the card is widely seen as the leading non-custodial borrow-to-spend Visa. Users lock weETH or eETH in self-custodied Safe vaults and borrow USDC on Scroll with gasless payments, avoiding taxable sales while collateral keeps earning. Praise goes to the 3% base cashback with no staking requirement, limits of $30k to $100k per day, smooth Apple Pay and Google Wallet support, and app ratings of 4.8-4.9. Complaints include onboarding trouble, with address verification stuck for weeks or months and blocks in 20 US states, and unexplained compliance freezes met by slow automated support. Cashback steps down after monthly bands, rewards arrive in volatile tokens, FX costs 1% outside USD and EUR, and ATM use costs 2% with a $250 daily cap. Liquidation is a risk in sharp ETH drops. Users who get through onboarding are strongly positive, while support and mismatches between marketing and legal fee terms pull sentiment down.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Scroll, Ethereum
Frequently asked questions
Does the Ether.fi Cash Card require KYC?
Yes. Ether.fi asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Ether.fi Cash Card charge?
The card has a monthly fee of free, an issuance fee of $40.00, an FX fee of 1%. See the fee table above for ATM and decline fees.
Does the Ether.fi Cash Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Ether.fi Cash Card?
It is available in most countries, except Iran, North Korea, Myanmar (Burma).
Which cryptocurrencies does the Ether.fi Cash Card support?
ETH, USDC, USDT, EETH.
Last updated August 19, 2026, verified August 6, 2026.