ether.fi Cash
by ether.fi · Visa · Credit card · Issuer terms last read Sep 28, 2026
A flat 3% at the entry level with no stake and no subscription is the most generous unconditional rate here, and the account is non-custodial. The cap is what separates the tiers: 3% applies to $2,000 of monthly spending at Core, rising to $10,000 at Luxe and $50,000 at Pinnacle, and those levels are unlocked by membership points rather than by paying a fee.
What works
- 3% cashback from the entry level with no stake or subscription
- Non-custodial account
- No FX fee on EUR and USD transactions
- Purchase, warranty, baggage and car rental cover included
What does not
- 3% only applies to $2,000 of monthly spending at the Core level
- Higher caps need membership points, earned at 3,000 per $1,000 spent
- 2% ATM fee
- Metal card only from the Luxe level
Who it suits
DeFi users who want a high flat rate without locking a token, and who spend mostly in EUR or USD.
Terms in full
Quoted from the issuer's own pages. Rows the issuer does not publish are marked as such rather than guessed.
- Network
- Visa
- Card type
- Non-custodial card account
- Reward
- 3% cashback, capped at $2,000 of monthly spending at Core, $10,000 at Luxe and $50,000 at Pinnacle
- Reward asset
- Credited to your Cash account
- Requirement
- None at Core; Luxe at 10,000 and Pinnacle at 50,000 membership points
- Annual fee
- Not published as an annual fee
- Foreign exchange
- No FX fees on EUR and USD transactions
- ATM
- 2%
- Card formats
- Core: plastic card and one virtual card; Luxe and above include a metal card
- Custody
- Non-custodial
If this one does not fit
Questions about this card
Yes. ether.fi publishes 3% on up to $2,000 of monthly spending at the Core level, $10,000 at Luxe and $50,000 at Pinnacle.
By membership points, earned at 3,000 points per $1,000 spent. Luxe unlocks at 10,000 points and Pinnacle at 50,000; VIP is invite only.
No. The account is described as non-custodial across all membership levels.