ether.fi Card

The ether.fi Card is a DeFi-native credit card that lets users spend using their crypto balance while earning cashback. It is designed for ether.fi Club members and offers a non-custodial approach where users remain in control of their assets. The card supports both virtual and physical formats and is accepted at over 100 million locations worldwide via Apple Pay and Google Pay.

Rewards

Club members earn up to 3% cashback on card purchases. The exact rate and monthly cap depend on the Club membership tier:

• Core: 3% cashback up to $2,000/month
• Luxe: 3% cashback up to $10,000/month
• Pinnacle: 3% cashback up to $50,000/month
• VIP: unlimited 3% cashback

All tiers earn 3,000 membership points for every $1,000 spent. Additionally, members receive 1% cashback on purchases made by their referrals.

Benefits

• Non-custodial security model where users retain control of their crypto.
• IBAN and SWIFT transfer capabilities for fiat movement.
• Concierge services and airport lounge access.
• Hotel discounts advertised up to 65% for members.
• Purchase protection, extended warranty, auto rental insurance, and baggage coverage.
• Corporate card programs available for crypto-native businesses.

Important Considerations

The card is tied to ether.fi Club membership, which requires holding and staking ETHFI tokens or meeting other membership criteria. The card is not directly affiliated with the ether.fi protocol and is issued subject to separate terms. FX fees are 0% on EUR and USD transactions, but 1% elsewhere. ATM withdrawals carry a 2% fee.