ether.fi Cash Non-Custodial Visa Card

ether.fi Cash is a Visa card program linked to self-custody wallets, offering virtual and physical cards with Apple Pay and Google Pay; the site presents Club tiers, cashback and global spending — note that non-custodial design still carries smart-contract authorization, liquidation and terms-variance risks.

Products & cashback
· Virtual + physical cards, Apple Pay and Google Pay support
· Cashback is paid in ETHFI tokens (current help-center terms, not USDC): locked 7 days after a transaction clears, claimable once 5 USD accumulates
· Rates step down by membership tier (Core/Luxe/Pinnacle) and monthly spend: Core earns 3% on the first 2,000 USD/month, 1% on 2,001-3,000 USD, 0.5% above that
· EUR purchases get 0% FX but follow a separate ladder (as low as 0.1% on high bands); USD and EUR share one monthly spend counter
· Issuing agreements vary by region; physical-card shipping and activation fees differ by region

⚠️ Risks & notes
· Non-custodial is not risk-free: card use may involve ongoing smart-contract allowances, USDC settlement or borrowing against crypto — market, liquidation and contract risk
· Cashback is ETHFI and carries price volatility; in-account live rules prevail
· Set wallet allowance limits and understand the liquidation line before use; check regional availability in the help center before signing up (cashback terms verified 2026-09-19)