Core
Free Club membership
3% cashback up to $2,000/mo
$30,000 daily spend limit
3,000 membership points per $1,000 spent
1 free virtual card
Ether.fi Cash Card
by Ether.fi
Virtual•Physical•Non-exchange
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Use referral codecryptocardsguruto get$10 cashback
Visa credit card from ether.fi Cash that supports crypto-backed spending, offers up to 3% cashback, and requires KYC.
Pros
- +Borrow against your crypto instead of selling it, or pay directly from your balance
- +3% base cashback, 4% at VIP, plus 10%–30% on subscriptions from Luxe up
- +Higher tiers add free metal cards, lounge access and up to 50 virtual cards
- +Apple Pay and Google Pay support
- +Non-custodial crypto-backed spending
Cons
- -Cashback is paid in ETHFI, locked for 7 days and claimable from $5
- -Borrowed balances accrue 4% APY interest immediately, with no grace period
- -Must maintain sufficient collateral to avoid liquidation
- -2% ATM withdrawal fee
- -Not available in US, India, Indonesia, or Netherlands
7.8/10
Overall
Good
★★★☆☆
6.3/10
Community Score
Based on 63 sources
Required
KYC Level
ID Verification
🌐
Worldwide
Availability
✓ Available where ether.fi Cash is supported
Card Overview
Luxe
5,000 points, $199/year, 30,000 ETHFI staked or $15,000 deposited
3% cashback up to $10,000/mo
$50,000 daily spend limit
4 free virtual cards
1 free metal physical card
Extras
✓Airport Companion lounge access
✓10% subscription cashback, up to $10 a month
✓Priority support
Pinnacle
$999/year, 150,000 ETHFI staked or $100,000 deposited
3% cashback up to $50,000/mo
$100,000 daily spend limit
No added FX margin
10 free virtual cards
2 free metal physical cards
Extras
✓20% subscription cashback, up to $20 a month
✓Crypto concierge
✓Event passes
VIP
500,000 ETHFI staked or $500,000 in Liquid
4% base cashback
No added FX margin
50 free virtual cards
2 free physical cards
Extras
✓30% subscription cashback, up to $30 a month
✓ether.fi Ventures access
✓Crypto concierge
KYC Requirements
Level: ID Verification
✓Email VerificationRequired
✓Phone VerificationRequired
✓Identity DocumentRequired
✓Proof of AddressRequired
✓Selfie VerificationRequired
Features
Apple PayVisa
Payment Methods
✓Apple PaySupported
✓Google PaySupported
Networks
ScrollBaseEthereumOptimism
Supported Cryptocurrencies
ETH
USDC
USDT