ether.fi Cash is the card for ETH long-term holders who want to spend without selling. Borrow against your staked ETH, keep earning restaking yield on your collateral, get up to 3% cashback in wETH, and avoid triggering a taxable sale — no other card does all four. The trade-offs: 1% FX fee on non-USD spending, 2% ATM fees, liquidation risk in Borrow Mode if ETH drops, and a loyalty-point system that rewards heavy users but can confuse casual ones.
The ether.fi Cash is a credit visa card linked to your ether.fi account. You can spend stablecoins directly. Top up via crypto, then spend anywhere visa is accepted. Earn 3% cashback in wETH on the first $2,000/month, 1% on $2,000–$3,000, 0.5% above $3,000. Paid monthly. cashback on purchases.
Showing fees for Core tier.
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Issuance Fee | $40 |
| Conversion Fee | 0.2% fiat-to-crypto conversion fee. |
| Foreign Exchange Fee | 1% foreign exchange fee on all non-USD transactions. |
| Top-up Fee | Top up via crypto deposit into vault. Borrow Mode: no top-up needed, spend against collateral. Direct Pay: deposit stablecoins. |
| ATM Free Limit | $0/mo |
| ATM Fee After Limit | 2% per withdrawal. $250/day limit. Max 3 attempts per day (failed attempts count). |
Note: Transactions settle in USD. Non-USD purchases converted at Visa rate + 1% FX fee.
Earn 3% cashback in wETH on the first $2,000/month, 1% on $2,000–$3,000, 0.5% above $3,000. Paid monthly. cashback on purchases. Rewards paid in wETH. Monthly cap: No hard cap, but rate steps down above $3,000/month..
Liquid Vaults: 5%+ APY on USDC, ~7% on Liquid ETH. Collateral earns restaking yield while backing your spending.
This tier is free to access — no staking, deposits, or spending requirements.
Free entry. Plastic card ($40 refundable deposit for physical, refunded if upgraded to Luxe within 12 months). Up to 3 virtual cards. $10,000/month fiat-to-crypto on-ramp.
✓ Two-factor authentication. ✓ Instant card freeze. ✓ Biometric authentication. Custody model: non-custodial.
Insurance: Visa Signature: up to $10,000 purchase protection, extended warranty, global rental car insurance.
Licenses: Visa Signature card issued via Visa's issuer partner network., KYC verification required for all tiers.
ether.fi Cash operates as a non-custodial card with assets held in user-controlled Gnosis Safe wallets on Scroll (Ethereum L2). Card operations run through Visa's issuer partner network. KYC is required. The protocol itself is DeFi-native — smart contract risk applies to collateral, vaults and yield strategies.
Top up your card with multiple cryptocurrencies. Fiat top-ups supported in USD.
ether.fi Cash is available in the US, UK and EEA. Some US states may be restricted. All transactions settle in USD; Euro support is planned but not yet live.
Physical card applications open. 'Spend, Eat, Earn' promo campaign with up to 15% cashback on dining, groceries and rideshares for new members.
Source →Introduction of 'The Club' four-tier membership system (Core, Luxe, Pinnacle, VIP) replacing previous flat reward structure. Tiered cashback based on monthly spending brackets.
Source →ether.fi launches Cash Card — a non-custodial Visa Signature credit card built on Scroll, with Borrow Mode against staked ETH and cashback in wETH.
Source →ether.fi Cash is the card for ETH long-term holders who want to spend without selling. Borrow against your staked ETH, keep earning restaking yield on your collateral, get up to 3% cashback in wETH, and avoid triggering a taxable sale — no other card does all four. The trade-offs: 1% FX fee on non-USD spending, 2% ATM fees, liquidation risk in Borrow Mode if ETH drops, and a loyalty-point system that rewards heavy users but can confuse casual ones.
Visit ether.fi to get started with the ether.fi Cash.
Visit ether.fi* We may earn a commission when you apply through our links. This does not affect our editorial independence.
