EtherFi Cash

ether.fi

Self-custodyBest referral

Cashback: Up to 3%in USD + membership points
Monthly fee: Card free with Club membership (paid Club tiers)
FX / conversion: 0% FX on EUR/USD; ATM 2%
Issuance: Free cards (included in The Club)
Card type: virtual + physical

Eligibility & KYC — who can get it

✓ Open to most nationalities

Not issued to residents / citizens of:

AfghanistanAlbaniaBelarusBosnia and HerzegovinaCentral African RepublicDemocratic Republic of the CongoCroatiaCubaCyprusEritreaHaitiIranIraqKosovoLebanonLiberiaLibyaNorth MacedoniaMoldovaMontenegroNorth KoreaRussiaSerbiaSomaliaSyriaVenezuelaVietnamYemenZimbabweCrimeaDonetskLuhansk

KYC mandatory for all users (ID + liveness selfie). Official ether.fi Prohibited Activities List (etherfi.gitbook.io): 29 jurisdictions prohibited. Ukraine is NOT prohibited as a whole — only Crimea, Donetsk and Luhansk regions. Also blocked: any jurisdiction sanctioned by OFAC, EU, UK or UN.

Issuer’s markets: Accepted worldwide (100M+ locations); may not be available in all jurisdictions

Where you can pay

✓ Worldwide — 100M+ locations (Visa network)

Official ether.fi/cash: 'Over 100M locations worldwide' for groceries, gas, hotels, etc. A separate official help.ether.fi list ('Countries Where Card Spending Is Unsupported') blocks card transactions only in North Korea, Iran, Russia, Syria, Cuba, Venezuela, Myanmar and Ukraine due to sanctions/network restrictions — i.e. spending is global elsewhere.

Plans & tiers

Tier	Cost / requirement	Cashback	Perks & limits
Core	Club membership	up to 3%	$2,000/mo cashback cap · +3,000 pts per $1,000 spent · 0% FX EUR/USD · 0.2% fiat↔crypto ($10k/mo)
Luxe	10,000 loyalty points	up to 3%	$10,000/mo cashback cap · 0.2% fiat↔crypto ($50k/mo)
Pinnacle	50,000 loyalty points	up to 3%	$50,000/mo cashback cap · 0.2% fiat↔crypto ($200k/mo)
VIP	Invitation only	bespoke	Concierge · Ventures access · bespoke limits & perks

Cashback details

Up to 3% on all purchases for all tiers; monthly caps Core $2k / Luxe $10k / Pinnacle $50k. +3,000 points per $1,000 spent.

Spend from

ETH, stablecoins, weETH from any non-custodial wallet; borrow-to-spend without selling

Verification procedure

Standard identity verification (KYC) at onboarding. Issued via a regulated provider.

AI subscriptions

Visa card works for online subscriptions. No US state restrictions for Cash.

Good to know

True self-custody (non-custodial, any wallet). Non-custodial cashback credit card — spend against your crypto balance, repay anytime. 0% FX on EUR/USD. Apple Pay / Google Pay ready. 5%+ APY on USD/EUR balances; borrow-to-spend without selling. The Club tiers (Core→Luxe→Pinnacle→VIP) raise cashback caps ($2k→$10k→$50k/mo) and add concierge, global wires and up to 65% hotel discounts. Deepest affiliate program we track (4 tiers, lifetime rev-share). Issuer: EtherFi Cayman SEZC.

Referral program

You get (referrer)

4-tier affiliate program. Per qualifying referral: $10/$15/$20/$20 New Member Bonus (T1–T4) + $15/$20/$25/$25 High Spender Bonus. Lifetime 0.1%/0.2%/0.25%/0.3% cashback on referrals' card spend. 50% card-fee commission. 20% physical-card commission (25% at T4). 5%/7.5%/10%/12.5% rev-share on Liquid + Staked yield. 20% 2nd-degree rev-share from Tier 2. Club side: 1% cashback on referrals' purchases + 10% points on their deposits.

Friend gets (referee)

No sign-up bonus

referrer-only program

Conditions: Qualifying referral = sign-up via link + Cash card activation + $100+ personal spend. Affiliate tiers: T1 starting; T2 = 50+ all-time & 10+ in last 90d; T3 = 100+ & 20+/90d; T4 = 500+ & 50+/90d.

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