ether.fi
7.7/10Overall Score
Card Mode
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Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $10
02Spending & Conversion
- Base Transaction Fee
- 0%
- ATM Withdrawal
- 2%
- FX Fee
- 0.5%
03Rewards
- Cashback
- 3%
Team & Investors
Team 8
Mike SilagadzeFounder and CEO
Rok KoppCo-Founder, CRO
David HsuInvestment Partner
Jozef VogelCOO
Rupert KlopperVP of Engineering
Recent News
ether.fi acquires the cryptocurrency wallet Zeal WalletOptimum Blockchain Transmission Layer mump2p launched on the Ethereum mainnet, ether.fi requires all nodes to adoptSharpLink announced that it has deployed 400 million USD worth of ETH to Ether.fi and Lidoether.fi launched the US dollar stablecoin ether.fi USD, supported by Ethenaether.fi: A certain Ethereum node operator experienced a security incident, but WEETH has no risk exposure21Shares launched Zcash and Ether.fi ETP in Europe
Card Guide
Overview
ether.fi is a leading Ethereum restaking DeFi protocol, and ether.fi Cash is its spending product: a non-custodial credit card backed by crypto collateral with deferred repayment, running on Visa at the Visa Signature tier. ether.fi states explicitly that the Cash card is independent of the protocol itself and is provided by a separate issuer under its own terms. The account is non-custodial, with keys authorised by the user through Turnkey signing, so the platform cannot move funds on its own.
Membership comes in four tiers: Core (plastic), Luxe (purple metal), Pinnacle (black metal) and VIP (gold metal, invitation only). It reaches 100 million+ Visa acceptance points worldwide, supports Apple Pay / Google Pay, and can spend from crypto balances, interest-bearing stablecoins and a borrowing line at the same time.
Plan comparison
Base cashback is paid in ETHFI and locked for 7 days after settlement before it can be claimed:
| Item | Core | Luxe | Pinnacle | VIP |
|---|---|---|---|---|
| Benefits | 3% on the first USD 2,000 a month; 1% from USD 2,001 to 3,000; 0.5% above that | 3% on the first USD 10,000 a month | 3% on the first USD 50,000 a month | 4% on the first USD 50,000 a month |
| Membership fee | 0 | USD 199 a year | USD 999 a year | by invitation. |
Benefits
| Item | Details |
|---|---|
| Base cashback is paid in ETHFI and locked for 7 days after settlement before it can be claimed: | |
| Core: | 3% on the first USD 2,000 a month; 1% from USD 2,001 to 3,000; 0.5% above that |
| Luxe: | 3% on the first USD 10,000 a month |
| Pinnacle: | 3% on the first USD 50,000 a month |
| VIP: | 4% on the first USD 50,000 a month |
| Subscription-category bonus: | 10% on Luxe, 20% on Pinnacle and 30% on VIP, capped at USD 10 / 20 / 30 a month; the category can be changed once a month, with AI and productivity tools as the default. |
| Travel and protection: | airport lounge access (2 visits on Luxe, unlimited on Pinnacle and VIP); Visa Signature benefits include price protection up to USD 2,000, purchase protection up to USD 10,000, extended warranty up to USD 10,000, global auto rental cover, USD 500 for baggage delay and USD 1,000 for lost baggage; plus the Visa Luxury Hotel Collection (up to 65% off and 5% back). |
| Referral rewards: | 1% of the referee's spending plus points worth 10% of their deposit; membership points accrue at 3,000 points per USD 1,000 spent. |
| Stablecoin yield: | Liquid / Vault auto-compounding strategies; Borrow mode lets collateral keep earning while you borrow to spend, with liquidation risk. |
Fees
| Item | Details |
|---|---|
| Membership fee: | Core 0; Luxe USD 199 a year; Pinnacle USD 999 a year; VIP by invitation. |
| Card fee (after each tier's free allowance): | virtual card USD 10 (free on VIP); physical card USD 50 on Core, USD 100 on Luxe, USD 100 on Pinnacle and free on VIP. |
| Free card allowance: | virtual cards 1 on Core, 4 on Luxe, 10 on Pinnacle and 50 on VIP; Luxe and above include 1–2 physical cards. |
| Transaction fee: | 0. |
| FX fee: | 0 on EUR and USD transactions; other currencies at a reference rate of about 1% plus a tier markup (up to 0.5% on Core, 0.25% on Luxe, none on Pinnacle and VIP). |
| ATM: | 2%. |
| Top-up / funding: | fiat and on-chain deposits free, with on-chain gas paid by the user. |
| Tier summary: | Core is free but has a low cashback band and no lounge access; Luxe is the value tier — at a 3% rate, about USD 6,600 of annual spend covers the USD 199 fee; Pinnacle targets high spenders and frequent travellers; VIP is the invitation-only flagship. |
Availability
| Item | Details |
|---|---|
| Supported regions: | physical cards ship to 88 countries and territories, including the UK, Canada, Australia, Japan, South Korea, Singapore, Hong Kong (China), Taiwan (China), the UAE, Saudi Arabia, Brazil, Mexico, Argentina, South Africa and Nigeria; Belgium and Ireland can use the virtual card but receive no physical card yet. In the United States only 31 states are eligible. |
| Unsupported regions: | an allowlist model applies, so anything outside the list cannot apply. In the United States 20 states are excluded: Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Montana, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington and Wisconsin. |
| Spending limits: | USD 30,000 a day on Core, USD 50,000 on Luxe and USD 100,000 on Pinnacle; the default is USD 5,000 per card per day and USD 10,000 per account per day and per month, all adjustable in the app. |
| ATM limits: | USD 250 per rolling 24 hours, with a maximum of 3 attempts — declined attempts count toward the limit. |
| Sign-up requirements: | full KYC; an ether.fi account holding or funded with assets; no minimum balance on Core; non-custodial accounts require you to safeguard your own recovery material. |
