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Ether.fi Cash
by Ether.Fi Cash Ltd
Ether.fi Cash is a non-custodial, DeFi-native secured credit card. It allows users to spend against their crypto collateral without selling it (until repayment is due or liquidation occurs), earning yield on the collateral and cashback on spend.
ETHER.FI CASH
Ether.Fi Cash Ltd
Cashback
Up to 4%
Annual Fee
Free
FX Fee
1%
Staking
None
4%
Max Cashback
Paid in USDC
$0
Annual Fee
4
Premium Perks
Available Regions
Unique Features
- Cashback paid in USDC
- Collateral earns staking yield
- Vault settlement on Optimism (core) with multi-chain deposits
- Integrated with The Club membership
- 5% cashback on ether.fi Travel hotels; up to 65% off hotels/flights
- Visa Airport Companion lounge is pay-as-you-go; Luxe/Pinnacle/VIP lounge passes not live (Sept)
Pros
- Non-custodial (funds in smart contract)
- Earn yield on collateral while spending
- Spend ladder 3%/1%/0.5% (VIP 4% first $50k), $1,000/mo cap
- Cashback paid in USDC
- No interest (0% APR)
- No credit check
Cons
- FX is not a single 1% for all spend (~1% intl; EUR 0% beta; Core/Luxe add-on)
- $1000 Monthly Cashback Cap
- Liquidation risk if collateral drops
- Restricted in several US states and countries
Integrations & Tech
IBAN Support
iOS App
Android App
Debit Mode
Credit Mode
IBAN: Assigned IBAN for fiat on-ramp/off-ramp (SEPA and bank transfers; third-party receipts supported per help). Card spend remains crypto-backed secured credit.
Global availability (excluding sanctioned regions)
AvailableExcludedUnknown
Available In (1)
Global
Not Available In (24)
BelarusChinaColombiaCubaEstoniaFinland
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
Replacement$15
Tier Comparison
Core
3% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
$15
FX Fee
~1% intl + 0–0.5% add-on; EUR 0% beta
ATM Fee
Available
Tier Perks
•ether.fi Travel(5% on ether.fi Travel hotels; up to 65% off hotels/flights)
•Virtual Cards(1 included)
•Visa Airport Companion(Pay-as-you-go. Lounge passes not live (Sept).)
•Seasonal Rewards(Token distributions every 3 months)
Fee Structure
Annual FeeFree
Monthly FeeNone
FX Fee1%
Issuance FeeFree
Shipping FeeFree
Replacement Fee$15
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
Detailed Fee Structure
FX Fee1%
ATM Fee2%
Detailed Limits
Spending LimitsDynamic
Dynamic based on collateral value (100% LTV)
Fee Details
International FX ~1% (legal line). EUR purchases 0% FX markup (beta). Core add-on 0–0.5%; Luxe 0–0.25%; Pinnacle/VIP none. ATM available; no issuer 2% ATM rate on the live fees pages. Late payment 2% of outstanding balance.
Limits & Conditions
Spending limit is dynamic, determined by the USD value of the collateral in your smart contract vault (100% LTV).
Crypto Capabilities
Security & Custody
Custody ModelNon-Custodial
Wallet TypeSmart Contract
InfrastructureEther.fi
Supported Assets
Chains
Optimism
Ethereum
Arbitrum
Base
BNB Smart Chain
Polygon
Solana
Tron
HyperEVM
Mantle
Celo
Gnosis
Kaia
Katana
Plasma
Tempo
Tokens
USDC
USDT
EURC
frxUSDETH
WETH
weETH
eBTC
eUSD
ETHFI
sETHFIOP
beHYPE
WHYPE
LiquidETH
LiquidBTC
LiquidUSD
LiquidReserve
LiquidEUR
LiquidRWA
Total Currencies20+
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
ether.fi Travel5% on ether.fi Travel hotels; up to 65% off hotels/flights
Visa Airport CompanionPay-as-you-go lounge. Luxe/Pinnacle/VIP lounge passes not live (Sept).
Purchase ProtectionUp to $10K
Baggage InsuranceUp to $1K loss / $500 delay
Rewards Program DetailsSpend ladder 3% / 1% / 0.5% by monthly spend band (Core first $2,000 at 3%; Luxe first $10,000; Pinnacle first $50,000). VIP 4% on the first $50,000. Capped at $1,000 USD value per month. Not the MEXC 4% flat cobrand.
Monthly Cap
$1,000
Payout Frequency
Instant
Exclusions
ATM withdrawals, P2P payments, currency exchange, taxes, gift cards, cash equivalents
