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Bit2Me Card vs ether.fi Cash

Bit2Me Card

Crypto native

5.8
Get the card
ether.fi Cash

Crypto native

★ Our pick
8.1
Get the card

Verdict

  • ether.fi Cash scores higher overall (8.1 vs 5.8 out of 10).
  • Bit2Me Card is clearly stronger on: Transparency.
  • ether.fi Cash is clearly stronger on: Fees, Cashback & rewards, FX & international, Product features, Custody & security, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bit2Me Card is a good fit for

  • Stablecoin holders

Stronger on: Transparency

ether.fi Cash is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Everyday spenders who want cashback

Stronger on: Fees, Cashback & rewards, FX & international, Product features, Custody & security, Credit & financing

Score by criterion

CriterionBit2Me Cardether.fi Cash
Fees89100
Cashback & rewards2869
Availability–100
FX & international2040
Product features70100
Custody & security7585
Credit & financing3075
Limits & ATM81–
Transparency10074
Best for Cashback5.07.7
Best for Travel5.26.7
Best for Self-Custodyn/a8.1
Best for DeFi Users5.98.1
Best for Stablecoins6.07.7
Best for High Spenders4.77.0
Best for Low Fees7.27.4
Best for Beginners7.39.0
Best Crypto Credit Cardn/a7.9

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Debit cardShow source
Crypto-backed creditConditions apply: tap or hover for detailsShow source

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

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends a linked wallet on the Bit2Me exchange

Self-custodyConditions apply: tap or hover for detailsShow source

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

Card issuer / program manager

PecuniaConditions apply: tap or hover for detailsShow source

Named as Bit2Me's card provider (handles limit increase requests); exact role (issuer / program manager) not stated

Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.Conditions apply: tap or hover for detailsShow source

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

Tiers / plans

Space Center levels 0–7Show source
Core · Luxe · Pinnacle · VIPShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Page states no maintenance fees for virtual or physical cards

FreeConditions apply: tap or hover for detailsShow source

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

Monthly fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Core membership

Physical card fee

€20Conditions apply: tap or hover for detailsShow source

Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain

$60Conditions apply: tap or hover for detailsShow source

Core, including shipping; Luxe and higher get 1 free

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

First virtual card free on Core; $10 in some regions and for further cards

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Virtual card replacement only; physical card replacement fee not stated

No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro

1.5%Conditions apply: tap or hover for detailsShow source

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.

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

Paying from a linked crypto wallet; 0% from the euro wallet

No data yet

ATM fee

€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source

Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only

Not disclosedConditions apply: tap or hover for detailsShow source

Core: ATM withdrawals available, fee not stated; Pinnacle and VIP: free, up to 10 withdrawals per month. The marketing page that listed 2% now redirects to /personal.

Free ATM allowance

€300/monthShow source
No data yet

Other fees & markups

Purchase refund fee 0.95% when refunded to the linked crypto wallet (0% to the euro wallet)Show source
No data yet

Cashback & rewards

Base cashback

No data yet
3%Conditions apply: tap or hover for detailsShow source

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

Max cashback

7%Conditions apply: tap or hover for detailsShow source

Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)

4%Conditions apply: tap or hover for detailsShow source

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

Cashback paid in

B2MShow source
ETHFIShow source

Cashback type

Platform tokenShow source
Platform tokenShow source

Interest on balance

No data yet
5.35%Conditions apply: tap or hover for detailsShow source

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

Cashback-eligible spend cap

No data yet
$2,000/monthConditions apply: tap or hover for detailsShow source

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

Max cashback per month

€300/monthConditions apply: tap or hover for detailsShow source

Level 7; €7.50 at level 1, none at level 0

No data yet

Cashback conditions

Monthly cashback cap depends on the Bit2Me Space Center level (€7.50 at level 1 to €300 at level 7; none listed at level 0) · Minimum cashback €0.01 · Minimum purchase amount €0.30Conditions apply: tap or hover for detailsShow source

The minimum purchase amount is listed in the card limits table next to the minimum cashback; the page does not say whether it applies to cashback only

Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every monthShow source

Reward expiry / vesting

No data yet
Converted to ETHFI at settlement, locked for 7 days, then must be claimedShow source

Reward exclusions

No data yet
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)Show source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Borrow Mode

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLxConditions apply: tap or hover for detailsShow source

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

Max loan-to-value

No data yet
81%Conditions apply: tap or hover for detailsShow source

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

Interest notes

No data yet
Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuouslyShow source

Grace period

No data yet
None; interest accrues immediately after borrowingShow source

Repayment

No data yet
Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi AccountShow source

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Available in

No data yet
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 StatesConditions apply: tap or hover for detailsShow source

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

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Only where Apple Pay is supported

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Not shipped to every eligible region

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Physical card only

YesConditions apply: tap or hover for detailsShow source

Not permitted in North Korea, Iran and Myanmar

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Card can be linked to a stablecoin wallet (Bit2Me Earn offer)

YesShow source

Airport lounge access

No data yet
YesConditions apply: tap or hover for detailsShow source

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

Travel / rental car insurance

No data yet
YesConditions apply: tap or hover for detailsShow source

Auto rental coverage, shared across all memberships

Purchase protection

No data yet
YesConditions apply: tap or hover for detailsShow source

Purchase and price protection, all memberships

Spendable assets

No data yet
USDC · LiquidUSDConditions apply: tap or hover for detailsShow source

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

Blockchains

No data yet
Ethereum · Polygon · Optimism · Arbitrum · ScrollConditions apply: tap or hover for detailsShow source

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

Limits

ATM limit

€300Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

$25,000Conditions apply: tap or hover for detailsShow source

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

Spending limit

€2,500Conditions apply: tap or hover for detailsShow source

Per transaction and per day; €20,000 a month

No data yet

Security & custody

Regulation / licences

CNMV-authorised crypto-asset service provider under MiCA (Regulation (EU) 2023/1114)Conditions apply: tap or hover for detailsShow source

Applies to Bit2Me (Bitcoinforme S.L.), stated in the site footer; resolution of 28 July 2025

Ether.Fi states it is not licensed to provide financial services as part of the Card ServicesConditions apply: tap or hover for detailsShow source

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

Deposit protection

No data yet
NoConditions apply: tap or hover for detailsShow source

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

Smart-contract risk

No data yet
YesShow source

Annual cost at 1,500 EUR/month

Bit2Me Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

ether.fi Cash

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+540 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bit2Me Card comparisons

More ether.fi Cash comparisons