What is ether.fi Cash?
ether.fi Cash is a DeFi-native credit card that bridges the gap between cryptocurrency and real-world spending. Unlike traditional credit cards, it's non-custodial, meaning you maintain full control of your crypto assets.
The card allows you to use your crypto balance (ETH, BTC, USDC, stETH, etc.) for everyday purchases while earning 3% cashback on every transaction. You can use it anywhere that accepts card payments, including Apple Pay and Google Pay.
What makes ether.fi Cash unique is its flexibility: there are no monthly payment minimums, you can repay anytime from your crypto balance, and your assets remain in your control through on-chain security features.
Key Features
3% Cashback on All Purchases
Earn 3% cashback instantly on every purchase - whether you're buying groceries, booking hotels, or shopping online. The cashback is automatically added to your account.
Non-Custodial & Secure
Your crypto remains in your control at all times. ether.fi Cash uses on-chain security features, ensuring that you don't need to trust a centralized entity with your assets.
No Monthly Minimums
Unlike traditional credit cards, there are no monthly minimum payments. You can repay anytime directly from your ether.fi crypto balance whenever it's convenient for you.
Apple Pay & Google Pay Ready
Use your card with Apple Pay and Google Pay for contactless payments. Works anywhere these payment methods are accepted.
Virtual and Physical Cards
Get instant access to a virtual card for online purchases, and order a physical card for in-person shopping. Both cards work seamlessly with your ether.fi account.
Exclusive Members-Only Rewards
Access travel rewards, DeFi incentives, conference passes, and earn an additional 1% cashback on every purchase made by your referrals.
Frequently Asked Questions
What is ether.fi Cash?
ether.fi Cash is a non-custodial DeFi credit card that lets you spend your crypto for real-world purchases while earning 3% cashback. It works with Apple Pay, Google Pay, and as a physical card.
How much cashback do I get with ether.fi Cash?
You earn 3% cashback on all purchases made with ether.fi Cash. Additionally, you earn an extra 1% cashback on every purchase made by your referrals.
Is ether.fi Cash non-custodial?
Yes, ether.fi Cash is non-custodial. Your crypto remains in your control at all times with on-chain security features.
Do I need to pay monthly minimums?
No, there are no monthly minimums with ether.fi Cash. You can repay anytime directly from your crypto balance.
What cryptocurrencies can I use with ether.fi Cash?
You can use ETH, BTC, USDC, USDT, stETH, weETH, and other supported assets in your ether.fi account to fund your card.
Is there an annual fee for ether.fi Cash?
No, ether.fi Cash has $0 annual fee. There are also no monthly fees or hidden charges.
Can I use ether.fi Cash with Apple Pay and Google Pay?
Yes, ether.fi Cash is fully compatible with both Apple Pay and Google Pay for contactless payments.
How do I get the ether.fi Cash card?
To get ether.fi Cash, you need to: (1) Join the ether.fi platform, (2) Sign up for The Club (free), (3) Complete KYC verification, (4) Fund your account, (5) Apply for the card. You'll receive a virtual card instantly and can order a physical card.
What are the exclusive members-only rewards?
ether.fi Cash members get access to travel and DeFi rewards, conference passes, and earn an additional 1% cashback on every purchase made by users you refer.
How does repayment work with ether.fi Cash?
Repayment is flexible - you can repay anytime from your ether.fi crypto balance. There are no monthly minimums or due dates, giving you complete control over when to pay.
Is ether.fi Cash available in my country?
ether.fi Cash is currently available in the United States, European Union, and United Kingdom. Check the official ether.fi website for the most up-to-date list of supported regions.
How is ether.fi Cash different from other crypto cards?
ether.fi Cash is non-custodial (you control your crypto), offers higher 3% cashback, has no monthly minimums, and provides flexible repayment. Most other crypto cards are custodial and have lower cashback rates.
Can I load my ether.fi Cash account with fiat currency?
Yes, you can load your account from traditional bank accounts and exchanges, or from any non-custodial wallet with supported cryptocurrencies.
What security features does ether.fi Cash have?
ether.fi Cash uses on-chain security features, non-custodial architecture (you control your assets), bank-level encryption, and follows industry-standard security practices.
Do I need to sell my crypto to use ether.fi Cash?
No, you don't need to sell your crypto. Your crypto balance acts as collateral for purchases, and you repay from your holdings whenever you want - allowing you to maintain your crypto exposure.