Our verdict
Best for: DeFi power users who want to borrow against eETH without selling
EtherFi Cash has two modes: Direct Pay (spend USDC, ~0% on USD) and Borrow Mode (borrow against eETH collateral to spend without selling). The ~2.5% realistic cashback is the highest verified rate for a self-custody card. Available in 171 countries. The complexity of the borrow mode requires DeFi literacy, and the collateral risk applies as with any lending product. For experienced DeFi users, this is the most feature-rich self-custody card on the market.
Specifications
| Card network | Visa |
|---|---|
| Provider | EtherFi Cayman SEZC |
| Funding model | Self-custodial: funds stay in your wallet until spent |
| Settlement currency | USD |
| Available in | 171 countries incl. UK (FCA-regulated from Sep 2026), Europe, parts of Asia/SA |
| Supported chains | Scroll L2 (Ethereum) |
| Supported assets | USDC, USDT, ETH, eETH, weETH, ETHFI, eUSD, eBTC, wETH, LiquidUSD |
| Issuance fee | $40 |
| Monthly fee | $0 |
| FX markup | 1% |
| ATM fee | 2% |
| Top-up fee | 0% |
| Foreign transaction fee | 1% |
| Cashback | Up to 3% in wETH (realistic ~2.5%) |
| Daily spend limit | , |
| Monthly spend limit | , |
| Daily ATM limit | $250 |
| Last verified | 2026-04-30 |
What to watch out for
- Two modes: Direct Pay (USDC, 0% on USD) or Borrow Mode (borrow USDC against eETH at 0% promo APR, then AAVE rates)
- collateral keeps earning ETH staking yield while you spend
- non-custodial via Gnosis Safe on Scroll L2
- gasless transactions
- Liquid Vaults yield up to 9.8% on Liquid USD
Editorial notes
- No annual fee
- The Club tier system (Core free / Luxe 10K pts or 15K ETHFI / Pinnacle 50K pts or 100K ETHFI / VIP invite-only)
- $1000 spend = 3000 loyalty points
- ATM 2% capped $250/day, 3 attempts max
- Borrow Mode liquidation risk if collateral drops
- UK FCA regulation from Sep 2026
- refund credits go to Credits balance
- gambling and rent excluded from cashback
Frequently asked questions
Where is the EtherFi Cash available?
As of 2026-04-30, EtherFi Cash is available to residents of United Kingdom, Europe, Latin America, Asia-Pacific, and Middle East & Africa. Specific country list: 171 countries incl. UK (FCA-regulated from Sep 2026), Europe, parts of Asia/SA.
How does the EtherFi Cash cashback work?
EtherFi Cash offers up to 3% cashback paid in wETH. All tiers up to 3% in wETH but capped: Core 3% on first $2K/mo, Luxe 3% on first $10K/mo (15K ETHFI staked), Pinnacle 3% on first $50K/mo (100K ETHFI staked). Limited-time promo: up to 15% on groceries/dining. ATM withdrawals and refunds excluded; paid in wETH to Vault monthly. In practice, the realistic effective rate for most users is around 2.5%.
What are the fees on the EtherFi Cash?
EtherFi Cash has an issuance fee of $40, no monthly fee, a 1% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Is the EtherFi Cash self-custodial?
Yes. With EtherFi Cash, your funds remain in your own wallet until each transaction is authorised. The card provider does not hold your assets.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.