Normal people buy dips. ether․fi users buy card tiers 🫶
ether.fi Cash
Visa crypto credit card with virtual and physical cards, plus cashback in ETHFI
3.0/ 5
Our score
Fair
Max cashback
3%
Card network
Visa
What is ether.fi Cash?
ether.fi Cash is a crypto-native Visa credit card connected to the ether.fi ecosystem. It is available in virtual and physical forms, works anywhere Visa is accepted, and pays qualifying cashback in ETHFI. The card supports two spending approaches: Direct Pay uses deposited funds, while Credit mode lets members borrow against onchain collateral.
Who is behind it
The card is part of ether.fi, a crypto company with products spanning staking, vaults and consumer payment tools. Its ecosystem token is ETHFI.
How the card works
Funds are held in a user-controlled Safe. Users can deposit any supported token, then make those funds available for spending in Direct Pay mode or use them as collateral in Credit mode. Top-ups can come from multiple supported chains, and the balance becomes available for use within a fraction of the time.
Cash can be spent at Visa merchants through either card format. The product also supports ATM withdrawals, with membership-based limits. ATM withdrawals are capped at $5,000 per transaction, up to five withdrawals in a rolling 24-hour period and $25,000 in total ATM withdrawals during that period.
Fees and cashback
Qualifying transactions earn cashback in ETHFI, so the reward value depends on the token rather than a fiat balance. In some regions, Core members pay $10 for their first virtual card.
Availability and requirements
ether.fi Cash is offered as a virtual or physical Visa credit card and can be used anywhere Visa is accepted. Using the card requires funding a Safe with a supported token.
Risks and limitations
Credit mode adds borrowing and liquidation risk because spending is backed by onchain collateral. Direct Pay still depends on supported tokens and chains. ETHFI cashback exposes rewards to the price movement of a native crypto asset. ATM access is also bounded by the $5,000 transaction limit, five-withdrawal rolling limit and $25,000 daily rolling limit.
Best for:Crypto-backed everyday spendingETHFI cashback usersUsers needing Visa paymentsCollateral-backed card spending
Pros and cons
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
- $5,000 ATM limit per transaction
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
Our review
3.0/5
Fair
ether.fi Cash combines self-custodial crypto spending with Visa acceptance across virtual and physical cards.
ether.fi Cash is a Visa credit card available in virtual and physical versions. It uses a self-custodial Safe. Supported tokens can fund Direct Pay spending or serve as collateral in Credit mode.
The card can be used for online purchases and at shops that accept Visa. Funds can be added to the Safe from multiple chains.
Qualifying transactions earn cashback in ETHFI. This creates token-price risk that does not apply to cards paying rewards in fiat or a stablecoin, so the reward value changes with ETHFI’s price.
In some regions, Core members pay $10 for their first virtual card. ATM access has a $5,000 per-transaction limit, five withdrawals in a rolling 24-hour period and a $25,000 rolling daily limit.
The parent ether.fi protocol dates its foundation to 2024. The ether.fi domain was registered in 2017. Cash Liquid had about $242.24 million in TVL on October 16, 2026.
Fees & limits
| Card type | Credit |
|---|---|
| Card network | Visa |
| Card format | Virtual, Physical · unverified |
| Custody | Self-custodial |
| Max cashback ⓘ | 3% · unverified |
| Rewards paid in | ETHFI · unverified |
| ATM withdrawal limit | $5,000 per transaction; five withdrawals and $25,000 in a rolling 24-hour period · unverified |
| Spend stablecoins | Yes · unverified |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools · unverified |
| Perks | Cashback in ETHFI · unverified |
| Virtual card fee | $10 · unverified |
Not disclosed by the provider: KYC required, Business card, Staking needed for top rewards, Welcome bonus, Card issuance fee, Monthly fee, Annual fee, Foreign exchange fee, Top-up fee, Crypto conversion spread, ATM withdrawals, Daily spending limit, Available in, Not available in, Spendable assets, Top-up networks, Card currencies, Apple Pay, Google Pay, Card issuer, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Visa card payments
The virtual and physical cards work anywhere Visa is accepted for qualifying purchases.
Direct Pay mode
Deposited supported tokens in the Safe become available for spending without using the credit mode.
Collateral-backed credit
Credit mode lets members borrow against assets deposited in their Safe.
Multi-chain top-ups
Users can fund their Safe from multiple chains with supported tokens.
ETHFI cashback
Qualifying card transactions earn cashback paid in ETHFI.
ATM withdrawals
The limit is $5,000 per transaction, with up to five withdrawals and $25,000 in a rolling 24-hour period.
Virtual card access
A virtual card is available alongside the physical card; the first virtual card costs $10 for Core members in some regions.
Inside ether.fi Cash
Safe
The Safe holds supported tokens deposited from multiple chains. Those funds can be made available for card spending or used as collateral.
Direct Pay
Direct Pay lets users spend funds deposited in the Safe without using them as borrowing collateral.
Credit
Credit lets users spend against supported tokens held as collateral in the Safe.
ether.fi Cash screenshots
What users say about ether.fi Cash
Users mainly praise ether.fi Cash for cashback, convenient card payments, and easy everyday use. Complaints focus on customer support and unclear fees, with some users also reporting deposit issues or requesting additional supported assets.
Top goods
In their own words
“Amazing on off ramp for fiat This is honestly the best banking app I’ve ever used in my life. The cashback is amazing. I’ve earned eight dollars worth of ETH already just using Ubers and paying my cell phone bill.”
“Crypto finally buys coffee It’s great to finally use crypto every day. I put a credit card in my apple wallet and am using crypto with tap to pay. The app is very clean and undertable and so far everything just works!”
“I’ve been with Ether.Fi for the past 2 months and so far so good. Made $16 in cash back only using the card for uber and my cell bill. I had to do KYC but I like using my portfolio as collateral and getting a loan against the assets so I’m not creating a taxable event all the time.”
“I suggest firing the customer service team - at this point, they're completely useless This is the worst customer service team I've ever dealt with - no response to my questions, all their marketing goes into ads, and the after-sales service is just terrible”
“It raises concerns about privacy and security. It raises concerns about privacy and security. You can't reach a human customer service representative, the system just goes in circles, and there is no option to delete your account.”
“Great app, could use better documentation The app and card are great. I’ve been in crypto since the early days and this is the first time I’ve used an app that offers tangible economic benefits over traditional finance alternatives.”
Based on 38 App Store reviews, 100 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used ether.fi Cash? Share your experience below.
FAQ
Who founded ether.fi Cash?
ether.fi Cash is a product of ether.fi, a protocol founded in 2024.
How much does an ether.fi Cash card cost?
The first virtual card costs $10 for Core members in some regions.
Where is ether.fi Cash available?
ether.fi Cash is available as virtual and physical Visa credit cards and can be used anywhere Visa is accepted.
Is ether.fi Cash self-custodial?
Yes, ether.fi Cash is self-custodial. Users add supported tokens to a Safe, where funds can be spent through Direct Pay or used as collateral in Credit mode.
What token does ether.fi Cash use for cashback?
Cashback is paid in ETHFI on qualifying transactions.
Latest from ether.fi Cash on X
Scariest things this Halloween:
💀 FX fees on every transaction in EU
💀 0.5% cashback in points you’ll never use
💀 monthly card fees for the privilege of holding your money
💀 selling your crypto every time you need to pay for something
Sleep tight.
Or get the card → ether․fi
Happy halloween! 🎃
💀 FX fees on every transaction in EU
💀 0.5% cashback in points you’ll never use
💀 monthly card fees for the privilege of holding your money
💀 selling your crypto every time you need to pay for something
Sleep tight.
Or get the card → ether․fi
Happy halloween! 🎃
$150M borrowed on ether․fi and not a single person had to sell their crypto to do it
That’s the whole point https://t.co/FQX1Y368Ob
That’s the whole point https://t.co/FQX1Y368Ob
ICYMI: 3 new features went live on ether․fi
→ your account now talks to AI
→ you can pay anyone with ether․fi tag
→ download a bank statement. yes, a real one
Each one deserves a minute of your time 👇 https://t.co/XIBY4GlepC
→ your account now talks to AI
→ you can pay anyone with ether․fi tag
→ download a bank statement. yes, a real one
Each one deserves a minute of your time 👇 https://t.co/XIBY4GlepC
EtherFi keeps your funds safe
Recent public posts from @ether_fi, shown as published. Not reviewed or endorsed by CryptoReview.
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