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ether.fi Cash vs Kraken Card

How ether.fi Cash vs Kraken Card compare on our ratings, crypto card specs, funding, pros and cons.

ether.fi Cash3.0/5
VS
Kraken Card3.8/5
Feature
ether.fi CashVisit
Kraken CardVisit
Ratings
Our score3.0/53.8/5
User ratingNo reviews yetNo reviews yet
Fees2.54.5
Rewards & cashback3.04.0
Availability3.03.0
App & experience3.54.0
Trust & security3.03.5
Fees & features
Card typeCreditDebit
Card networkVisaMastercard
Card formatVirtual, PhysicalVirtual
CustodySelf-custodialCustodial
Max cashback3%2%
Rewards paid inETHFIBTC or EUR
Staking needed for top rewardsNot disclosed No
Welcome bonusNot disclosedNew cardholders receive Max tier for 30 days, with 2% cashback.
Card issuance feeNot disclosedFree
Monthly feeNot disclosedFree
Annual feeNot disclosedFree
Foreign exchange feeNot disclosed0%
Crypto conversion spreadNot disclosedVariable spread applies when spending across assets
ATM withdrawalsNot disclosedNo ATM withdrawal fee from Kraken; third-party ATM fees may apply
ATM withdrawal limit$5,000 per transaction; five withdrawals and $25,000 in a rolling 24-hour periodNot disclosed
Available inNot disclosedEurope (EEA), United Kingdom, United States
Spendable assetsNot disclosed600+ cryptocurrencies, Cash
Card currenciesNot disclosedEUR
Spend stablecoins YesNot disclosed
Apple PayNot disclosed Yes
Google PayNot disclosed Yes
Good forEveryday spending, Travel, Online shopping, Subscriptions & AI toolsEveryday spending, Travel, Online shopping, Subscriptions & AI tools
PerksCashback in ETHFIUp to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications
Card issuerNot disclosedUAB Monavate
Virtual card fee$10Free
Company
Founded20242011
Headquarters—United States
InvestorsNot disclosedDRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2
Strengths and weaknesses
Pros
  • Virtual and physical Visa card formats
  • Self-custodial Safe for deposited assets
  • Supports direct spending and collateral-backed credit
  • ETHFI cashback on qualifying transactions
  • Up to 2% cashback in BTC or EUR
  • No Kraken transaction or foreign-exchange fees
  • No Kraken ATM withdrawal fees
  • Supports 600+ currencies
Cons
  • Credit mode carries collateral and liquidation risk
  • Cashback is paid in volatile ETHFI
  • First virtual card costs $10 for Core members in some regions
  • ATM access has membership-based limits
  • Custodial card and account structure
  • Variable spreads may apply when converting between assets at checkout
  • Third-party ATM fees may apply
  • Availability varies by location
Best forCrypto-backed everyday spending, ETHFI cashback users, Users needing Visa paymentsEveryday crypto spending, Krak app users, Cardholders spending multiple assets

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