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Ether.fi Cash
by Ether.Fi Cash Ltd
Ether.fi Cash is a non-custodial, DeFi-native secured credit card. It allows users to spend against their crypto collateral without selling it (until repayment is due or liquidation occurs), earning yield on the collateral and cashback on spend.
ETHER.FI CASH
Ether.Fi Cash Ltd
Cashback
Up to 3%
Annual Fee
Free
FX Fee
1%
Staking
None
3%
Max Cashback
Paid in SCRL, ETHFI
$0
Annual Fee
3
Premium Perks
Available Regions
Unique Features
- Cashback paid in SCRL/ETHFI
- Collateral earns staking yield
- Settlement on Scroll/L2s
- Integrated with The Club membership
Pros
- Non-custodial (funds in smart contract)
- Earn yield on collateral while spending
- Up to 3% cashback
- No interest (0% APR)
- No credit check
Cons
- Foreign Transaction Fee (1%)
- ATM Fee (2%)
- $1000 Monthly Cashback Cap
- Liquidation risk if collateral drops
- Restricted in several US states and countries
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
IBAN: IBAN available for fiat on-ramp/off-ramp but card itself is crypto-backed.
Global availability (excluding sanctioned regions)
AvailableExcludedUnknown
Available In (1)
Global
Not Available In (24)
BelarusChinaColombiaCubaEstoniaFinland
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
Replacement$15
Tier Comparison
Core
2% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
$15
FX Fee
1%
ATM Fee
2%
Tier Perks
•Hotel Discounts(Up to 65% off)
•Virtual Cards(3 included)
•Seasonal Rewards(Token distributions every 3 months)
•General Concierge(Standard access)
Fee Structure
Annual FeeFree
Monthly FeeNone
FX Fee1%
Issuance FeeFree
Shipping FeeFree
Replacement Fee$15
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Fee After Limit2%
Detailed Fee Structure
FX Fee1%
ATM Fee2%
Detailed Limits
Spending LimitsDynamic
Dynamic based on collateral value (100% LTV)
Fee Details
Foreign Transaction Fee is 1%. ATM Fee is 2%. Late payment penalty is 2% of outstanding balance.
Limits & Conditions
Spending limit is dynamic, determined by the USD value of the collateral in your smart contract vault (100% LTV).
Crypto Capabilities
Security & Custody
Custody ModelNon-Custodial
Wallet TypeSmart Contract
InfrastructureEther.fi
Supported Assets
Chains
Scroll
Ethereum
Arbitrum
Base
BNB
Tokens
USDC
USDTETH
eETH
weETH
yield-bearing stables
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
Hotel DiscountsUp to 65% off luxury hotels
Purchase ProtectionUp to $10K
Baggage InsuranceUp to $1K loss / $500 delay
Rewards Program Details2% for Core tier, 3% for Luxe/Pinnacle tiers. Capped at $1,000 USD value per month. Promotional rates may apply.
Payout Frequency
Instant
Exclusions
ATM withdrawals, P2P payments, currency exchange, taxes, gift cards, cash equivalents
