defi.com Card vs ether.fi Cash

Product status: Waitlist

Source states (paraphrased): Early access opens in Q4. We're bringing people in from the waitlist in batches

Source: Finance Designed Around You | defi.com

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Product status: Active

Source states (paraphrased): Core Free for everyone

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 5 days ago (Recently verified) · confidence 95%

Card type: Stablecoin card

Source states (paraphrased): You spend and send in USDC

Source: Finance Designed Around You | defi.com

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Crypto-backed credit

Marketed as a credit card; Direct Pay mode spends your own balance

Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified 1 day ago (Fresh) · confidence 80%

Network: Visa

Source states (paraphrased): The card program is issued by the Issuer under license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Custody model: Self-custody

Source states (paraphrased): No. defi.com is non-custodial: your money sits in an account only you control.

Source: Finance Designed Around You | defi.com

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Custody model: Self-custody

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.

Source: Personal Account

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified 6 days ago (Recently verified) · confidence 70%

Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Tiers / plans: Core · Luxe · Pinnacle · VIP

Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Annual fee: Free

Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking

Source states (paraphrased): Core — Free for everyone

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 6 days ago (Recently verified) · confidence 95%

Monthly fee: Free

Core membership

Source states (paraphrased): Core — Free for everyone

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 6 days ago (Recently verified) · confidence 95%

Physical card fee: $50

Core (0 free physical cards); Luxe/Pinnacle $100 after free cards

Source states (paraphrased): Physical card fee after free cards

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 75%

Virtual card fee: $10

After free cards (Core 1 free, may vary by region; some regions Core pays $10 for first card); VIP no fee

Source states (paraphrased): Virtual card fee after free cards

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 75%

FX fee: 1.5%

Non-USD purchases, Core: 1% FX base fee + up to 0.5% (Luxe +0.25%, Pinnacle/VIP none). Purchases charged in EUR: 0% FX markup.

Source states (paraphrased): This includes a base 1% foreign transaction fee ("FX Base Rate"). For Core tier members, the fee is up to an additional 50bps on top of the FX Base Rate.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

ATM fee: Free

Core/Luxe free up to 10 withdrawals per month; Pinnacle/VIP free unlimited

Source states (paraphrased): Free, up to 10 withdrawals per month

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 75%

Base cashback: 3%

Core membership, on the first $2,000 of card spend per month

Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Max cashback: 4%

VIP membership, on the first $50,000 of card spend per month

Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback paid in: ETHFI

Source states (paraphrased): Cashback is converted to ETHFI at the current price.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Cashback type: Platform token

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Interest on balance: 5.35%

USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk

Source states (paraphrased): USD Earn 5.35% APY · EUR Earn 5.29% APY · APY is variable and not guaranteed.

Source: https://www.ether.fi/earn

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified 6 days ago (Recently verified) · confidence 95%

Cashback-eligible spend cap: $2,000/month

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Cashback conditions: Rates applied progressively based on total spend each calendar month · EUR transactions use lower thresholds and share one monthly spend counter · Spend counter resets at the start of each calendar month · Cashback may be reversed on refunds

Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 85%

Staking asset: ETHFI

Staking ETHFI (no lockups) is one way to unlock levels: 30K Luxe, 150K Pinnacle, 500K VIP; alternatives exist

Source states (paraphrased): Stake ETHFI (no lockups)

Source: How do Membership levels work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 70%

Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed

Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)

Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 3 days ago (Fresh) · confidence 90%

Credit line: Yes

Borrow Mode

Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Credit type: Crypto-backed credit

Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

Source states (paraphrased): Supported assets and their Product LTV

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Max loan-to-value: 81%

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

Source states (paraphrased): USDC | 81%

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously

Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Grace period: None; interest accrues immediately after borrowing

Source states (paraphrased): There is no grace period

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account

Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Liquidation risk: Yes

Source states (paraphrased): Help center lists per-asset liquidation thresholds.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Spend own balance directly: Yes

Source states (paraphrased): Direct Pay Mode spends your balance.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Spend by borrowing against collateral: Yes

Source states (paraphrased): Borrow Mode borrows against your collateral.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States

Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card

Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below

Source: In which countries is the Cash card available?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Account / spend currencies: USD · GBP · EUR · MXN · BRL · COP

Fiat on/off-ramp currencies

Source states (paraphrased): works in USD, GBP, EUR, MXN, BRL and COP

Source: Finance Designed Around You | defi.com

Official product page (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 70%

Apple Pay: Yes

Only where Apple Pay is supported

Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Google Pay: Yes

Source states (paraphrased): Help article explains adding the card to Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Source states (paraphrased): Virtual card for instant use, physical card for everyday purchases.

Source: Finance Designed Around You | defi.com

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Physical card: Yes

Not shipped to every eligible region

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Virtual card: Yes

Source states (paraphrased): Virtual card for instant use, physical card for everyday purchases.

Source: Finance Designed Around You | defi.com

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Virtual card: Yes

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

ATM withdrawals: Yes

Not permitted in North Korea, Iran and Myanmar

Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins: Yes

Source states (paraphrased): This works whether your spending token is USDC or EURC

Source: EUR purchases 0% FX Rate

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Airport lounge access: Yes

Core: 2 free passes to premium lounges; unlimited from Pinnacle

Source states (paraphrased): Airport lounge access: 2 Free passes to premium lounges

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Travel / rental car insurance: Yes

Auto rental coverage, shared across all memberships

Source states (paraphrased): Travel benefits shared across all memberships: Auto rental coverage

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Purchase protection: Yes

Purchase and price protection, all memberships

Source states (paraphrased): Purchase and price protection

Source: https://www.ether.fi/personal/compare

Official product page (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Spendable assets: USDC

Source states (paraphrased): You spend and send in USDC

Source: Finance Designed Around You | defi.com

Official product page (tier 1)

Extracted from source by research agent · retrieved 30 October 2026 · verified today (Fresh) · confidence 80%

Spendable assets: USDC · LiquidUSD

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

Source states (paraphrased): from your USDC or LiquidUSD balance

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

ATM limit: $25,000

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

Source states (paraphrased): | Core | $5,000 | 5 | $25,000

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Deposit protection: No

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

Source states (paraphrased): This is not deposit insurance

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 5 days ago (Recently verified) · confidence 80%

Smart-contract risk: Yes

Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified 6 days ago (Recently verified) · confidence 70%