ether.fi Cash
Visa Signature credit card that spends from, or borrows against, assets held in a non-custodial ether.fi account.
Security record: 1 incident- Visa Signature card, virtual right after KYC and physical by mail
- Funds sit in a non-custodial Safe account; borrowing runs on Aave on Optimism
- Direct Pay spends USDC, then liquidUSD; Borrow mode spends against your vault assets as collateral
- Up to 3% cashback on the Core, Luxe and Pinnacle tiers
- Core tier: one free virtual card, extra virtual cards 10 USD, physical card 50 USD
- Cashback
- 3% on the first $2,000 a month
- Paid in
- ETHFI
- Top cashback needs
- 4%: VIP tier, first $50,000/month
- Monthly fee
- Free
- Physical card
- $50
- FX fee
- 0.5%
- ATM
- 10 free withdrawals/month
- Custody
- Self-custody
- Crypto converts
- At purchase
- Identity check
- Required
Some of these terms come from a review site because the issuer does not state them, and they can be out of date.
Compare all cardsSeven criteria from the terms on this page, on a scale of 10. Compare it with other cards only. How we score
- Custody 10.0
- Self-custody is a 10, a custodial balance is a 4.
- Cashback 7.8
- Base tier: 3% or more is a 10, no cashback is a 1. Paid in the project's own token, a rate counts at three quarters.
- FX and conversion 8.5
- Base tier: no fee is a 10, 3% in FX and conversion together is a 1.
- Issuer and record 8.0
- Non-custodial Safe; card program run with Rain since September 2024
- Fees 7.0
- No monthly fee is a 10; a fee or a paid physical card lowers it.
- Regions 10.0
- 90+ countries incl. most of the EEA, the UK and listed US states
- Phone pay and card types 10.0
- Apple Pay, Google Pay, virtual and physical cards.
Cost to start: Core: first virtual card free (10 USD in some regions), physical card 50 USD
- Sign up for Cash membership at ether.fi
- In the Cash tab, select Add Card and complete KYC
- Deposit supported tokens to your Safe
- Choose Direct Pay or Borrow mode
- Use the virtual card right away, or add a mailing address for a physical card
In Borrow mode interest starts right away at a variable Aave rate, and collateral can be liquidated if its value falls. The card needs KYC and is offered only in listed countries, and cashback and card fees vary by tier and region.
1 incident
Past incidents 1
Attempted domain takeover via Gandi, stopped. Attackers tried to take over ether.fi's domain through the registrar Gandi's account recovery process; the team got a recovery alert at 16:38 UTC and had the account locked by 19:30 UTC. ether.fi restored nameservers and found no breach of its systems. Coverage of ether.fi's statement reports no user funds lost. https://cryptonews.com/news/ether-fi-thwarts-domain-takeover-attempt-user-funds-remain-safe/
Third partyNo user losses
Sources: cryptonews.com, cryptoslate.com
From the project’s statements and security coverage. Own fault means the project’s code, servers or keys; third party means a vendor, registrar, oracle or issuer it relies on.
