Ether.fi is a non-custodial liquid restaking protocol on Ethereum founded in 2022 by Mike Silagadze and Rok Kopp, with the operating entity ether.fi SEZC registered in the Cayman Islands. The protocol's mainnet launched in May 2023, and Silagadze previously co-founded the Canadian education software company Top Hat before relocating to build ether.fi.
The Ether.fi Cash is a crypto credit card offered by Ether.fi, available in US (~20 states)/EU/UK/HK/UAE + more. It offers 0.5-3% cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. Annual fee varies by tier or usage.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. Note that collateral is subject to liquidation risk. It runs on the Visa network and requires standard identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Core | 3% | Free, 3% on first $2,000/mo spend cap |
| Luxe | 3% | 15,000 ETHFI staked or 10,000 monthly points, 3% on first $10,000/mo spend cap |
| Pinnacle | 3% | 100,000 ETHFI staked or 50,000 monthly points, 3% on first $50,000/mo spend cap |
Note: Borrow against crypto collateral. Liquidation risk. Same 3% rate across all tiers; what scales is the monthly cashback-eligible spend cap ($2K Core, $10K Luxe, $50K Pinnacle). Available in ~20 US states (major states like NY, CA, TX, FL excluded), EU, UK, Hong Kong, UAE, and others (171 countries total). Loyalty Points earn ~3,000 per $1,000 spent so $17K/mo spend keeps Pinnacle status without ETHFI staking. Tiers revert to Core if staked balance drops below threshold. Migrated to OP Mainnet (April 2026). Club Membership Rewards launching 2026.
Other crypto cards in the same region or category that may suit your spending profile:
The Ether.fi Cash is a crypto credit card offered by Ether.fi. It is available in US (~20 states)/EU/UK/HK/UAE + more and allows users to spend cryptocurrency at merchants worldwide.
The Ether.fi Cash offers 0.5-3% cashback. There are 3 tiers: Core (3%), Luxe (3%), Pinnacle (3%).
The Ether.fi Cash has an annual fee of Variable. Additional fees: Conversion fee: Variable (DeFi rate).
The Ether.fi Cash is available in US (~20 states)/EU/UK/HK/UAE + more. Its availability status is "US/EU/UK/HK/UAE".
The Ether.fi Cash is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Ether.fi Cash supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.