The Ether.fi Cash earns 3% cashback on a Visa credit card, available in US (~20 states)/EU/UK/HK/UAE + more.
Ether.fi is a non-custodial liquid restaking protocol on Ethereum founded in 2022 by Mike Silagadze and Rok Kopp, with the operating entity ether.fi SEZC registered in the Cayman Islands. The protocol's mainnet launched in May 2023, and Silagadze previously co-founded the Canadian education software company Top Hat before relocating to build ether.fi.
The Ether.fi Cash is a crypto credit card offered by Ether.fi, available in US (~20 states)/EU/UK/HK/UAE + more. It offers 3% cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. Annual fee varies by tier or usage.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. Note that collateral is subject to liquidation risk and some regions are excluded from coverage. It runs on the Visa network and requires standard identity verification.
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On $500/mo spend, the estimated monthly cost breakdown for Ether.fi Cash is: gas $0.03, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $15.00/mo cashback that nets a gain of about $9.97/mo ($119.64/yr). Because Ether.fi Cash is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.60/mo in gas versus $0.03/mo for a single monthly load, so total drag runs 1.1% with daily reloads versus 1% with a monthly reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Core | 3% | Free, 3% on first $2,000/mo, step-down: 1% $2K-$3K, 0.5% above $3K |
| Luxe | 3% | 15,000 ETHFI staked or 10,000 monthly points, 3% on first $10,000/mo spend cap |
| Pinnacle | 3% | 100,000 ETHFI staked or 50,000 monthly points, 3% on first $50,000/mo spend cap |
Note: Borrow against crypto collateral. Liquidation risk. Core rate 3% on first $2K/mo (raised from 2% in mid-2026), step-down: 1% $2K-$3K, 0.5% above $3K. Luxe/Pinnacle also 3%. What scales is the monthly cashback-eligible spend cap ($2K Core, $10K Luxe, $50K Pinnacle). Available in ~20 US states (excluded: AZ, DE, GA, ID, LA, MD, MS, MO, MT, NV, NM, ND, OH, OR, RI, SD, TN, VT, WA, WI — major states like NY, CA, TX, FL ARE available), EU, UK, Hong Kong, UAE, and others (171 countries total). Loyalty Points earn ~3,000 per $1,000 spent so $17K/mo spend keeps Pinnacle status without ETHFI staking. Tiers revert to Core if staked balance drops below threshold. $40 refundable deposit for Core physical card. Migrated to OP Mainnet (April 2026). Cashback paid in wETH.
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The Ether.fi Cash is a crypto credit card offered by Ether.fi. It is available in US (~20 states)/EU/UK/HK/UAE + more and allows users to spend cryptocurrency at merchants worldwide.
The Ether.fi Cash offers 3% cashback. There are 3 tiers: Core (3%), Luxe (3%), Pinnacle (3%).
The Ether.fi Cash has an annual fee of Variable. Additional fees: Conversion fee: Variable (DeFi rate).
The Ether.fi Cash is available in US (~20 states)/EU/UK/HK/UAE + more. Its availability status is "US/EU/UK/HK/UAE".
The Ether.fi Cash is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Ether.fi Cash supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.