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Ether.fi Cash

Name: Ether.fi Cash
Brand: Ether.fi

The DeFi-native card: spend against your staked ETH without unstaking.

Ether.fi Cash extends the Ether.fi staking protocol into payments. You can borrow against staked ETH or spend stablecoins directly, with balances controlled by your own smart account rather than a company ledger. Cashback is paid in wETH. It is the natural card for users already earning yield in the Ether.fi ecosystem, with the usual caveat that borrowing against volatile collateral carries liquidation risk.

Go to official site View all cardsData verified: 2026-07

Max cashback

3% (wETH)

Monthly fee

$0 annual fee on the base tier

Custody

Self-custody

Regions

Global, Europe, Asia-Pacific

Fees

Monthly fee$0 annual fee on the base tier

IssuanceVirtual card free; membership tiers unlock extra perks

FX1% on foreign currency transactions

ATM2% on ATM withdrawals

Top-upsFund from DeFi: spend against staked ETH or stablecoin balances

Cashback

0.5% - 3%Paid in wETH

3% on roughly the first $2,000/month of spend, then lower rates; overall monthly reward cap applies. Paid in wrapped ETH.

Availability

Broad global coverage; check current country eligibility on the official site.

GlobalEuropeAsia-Pacific

Pros & cons

Pros

Spend without unstaking or selling ETH
Up to 3% cashback in wETH
Non-custodial smart account architecture
No annual fee on the base tier

Cons

Borrowing against ETH carries liquidation risk
Cashback rate drops after the first ~$2,000/month
Rewards paid in a volatile asset
Terms have changed several times; re-check before applying

Best for

ETH stakers
DeFi power users
Avoiding taxable sales (jurisdiction dependent)

Alternatives

Gnosis Pay

The self-custodial Visa: your keys, your balance, on Gnosis Chain.

Nexo Card

The dual-mode card: spend borrowed funds against your crypto, or your own balance.

KAST

A stablecoin neobank: hold digital dollars, spend them anywhere with USD cashback.

This is not financial advice. Conditions change frequently: verify fees, cashback and availability on the official site before signing up.

Pros & cons

Pros

Spend without unstaking or selling ETH
Up to 3% cashback in wETH
Non-custodial smart account architecture
No annual fee on the base tier

Cons

Borrowing against ETH carries liquidation risk
Cashback rate drops after the first ~$2,000/month
Rewards paid in a volatile asset
Terms have changed several times; re-check before applying