ether.fi Cash
by ether.fi (Visa Signature)
Based on your monthly spend — edit it on the home page.
Cashback plans
- Core3.0% up to $2000/mo, then 1.0% up to $3000/mo, then 0.5% (uncapped)$40 one-time · max $1000/mo reward · paid in USDC · no stake required
- Luxe3.0% up to $10000/mo, then 1.0% up to $20000/mo, then 0.5% (uncapped)max $1000/mo reward · paid in USDC · requires ~$5205 held/staked (or ~$3,334/mo spend, no lock-up)
- Pinnacle3.0% up to $50000/mo, then 1.0% up to $80000/mo, then 0.5% (uncapped)max $1000/mo reward · paid in USDC · requires ~$34700 held/staked (or ~$16,667/mo spend, no lock-up)
Fees
- FX markup
- 0% on USD & EUR transactions; 1% on all other currencies (per ether.fi/cash). Note: EUR keeps 0% FX but earns a reduced cashback rate (0.1% in the top band vs 0.5% for USD)
- ATM
- 2% per withdrawal
- Spending (crypto→USD)
- $0; Borrow Mode interest ~4% APY
- Funding / top-up
- 0.2% fiat-to-crypto conversion + gas
- Issuance
- $40 refundable deposit (physical, Core; refunded on reaching Luxe). Luxe/Pinnacle first physical card free
- Monthly
- $0
Perks & benefits
- Lounge accessVisa Airport Companion access (region-dependent)
- Travel insuranceAuto-rental + baggage delay/loss cover (no medical or trip-cancellation)
- Purchase protectionPurchase protection, extended warranty & price protection (Visa Signature)
- ConciergeVisa concierge (crypto concierge on Pinnacle/VIP)
- Offers & creditsVisa Luxury Hotel Collection + hotel discounts
- Idle-balance yieldIdle balance ~5% APY (Liquid); Borrow Mode keeps crypto invested while you spend
Pros
- 3% cashback on the first $2,000/mo (Core), scaling to $10k (Luxe) / $50k (Pinnacle)
- Genuinely self-custodial — spend from your own Safe vault
- Collateral keeps earning staking yield via Borrow Mode
- 0% FX on USD and EUR; Visa acceptance + Apple/Google Pay
- Cashback paid in USDC (USD-denominated, liquid — no vesting or volatile reward token)
Cons
- Hard $1,000/mo TOTAL cashback cap across ALL tiers (legal T&C) — caps the headline metric for heavy spenders even on Pinnacle
- Cashback rate steps down sharply above the 3% band (1% then 0.5%)
- Higher tiers require large ETHFI stakes (Luxe ~$5.2k, Pinnacle ~$34.7k at $0.347/ETHFI) — significant capital + token-price risk; alternatively reachable by spend volume (~$3.3k/mo Luxe, ~$16.7k/mo Pinnacle via membership points) with no capital locked
- EUR transactions earn a reduced cashback rate (0.1% top band) despite 0% FX
- Excluded in ~20 US states and ~20 countries
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Researched June 2026 from official help.ether.fi articles + ether.fi legal gitbook + ether.fi/cash. RESOLVED CONFLICTS: (1) FX — marketing AND fee page state 0% on USD/EUR, 1% elsewhere; the '1% across all tiers' figure was a third-party legal-review reading. Modeled as 0%/1% per official source. (2) Payout token — official cashback help article: cashback 'displays as USDC' and is 'automatically credited as USDC'; legal T&C says generically 'tokens... at ether.fi's sole discretion' with USD value via oracle. USDC is current/authoritative; no current source says wETH. (3) $1,000/mo cap — CONFIRMED real in legal T&C ('maximum cashback rewards a user may earn is limited to $1,000 USD per month'), applies across ALL tiers; modeled via monthlyRewardCap on every plan. Luxe=15,000 ETHFI staked, Pinnacle=100,000 ETHFI staked (must STAKE as sETHFI, not just hold; alt path via membership points; unstaking below threshold reverts to Core, 30-day re-upgrade cooldown). requiresStake = ETHFI amount × $0.347 (CoinGecko/CMC, 2026-06-23) — ESTIMATE, ETHFI price is volatile. VOLUME PATH (qualifyingMonthlySpend): tiers are also reachable via membership points instead of staking — modeled at ~3 points per $1 spent (Luxe 10k pts/mo ≈ $3,334/mo, Pinnacle 50k pts/mo ≈ $16,667/mo). Points rate/threshold is MEDIUM confidence and assumed steady-state monthly; when qualified by volume no capital is locked so the 15% token-depreciation cost does not apply. Verify terms before publishing. · Last updated 2026-06-28