What is ether.fi Cash?

Cash is a truly crypto-native credit card. Buy a coffee at your local shop or book your next hotel stay. All with crypto, hassle-free. Earn cashback with every purchase on your ether.fi Cash credit card. ether.fi Cash works just like you would expect from any other Visa credit card. While some debit cards are limited in how and where you can use them (for example, car rentals or booking flights), ether.fi Cash can be used anywhere Visa is accepted.

How does cashback work?

Separate from ether.fi loyalty points, cashback is an exciting way for ether.fi members to earn on their everyday purchases with the Cash card! With every purchase made using your Cash card, you'll earn cash back in wETH tokens*. Cashback % and limits vary by membership tier, and ranges from 2% - 3%. Cashback caps: - $1K monthly for Core and Luxe - $2.5k for Pinnacle.

How does Collateral and Borrowing work?

In Borrow Mode, your borrowing limit depends on the value of the assets in your Vault: Different assets may have different LTV values The system ensures you maintain a healthy collateral ratio If collateral values drop significantly, you may need to add more funds or repay some debt Supported Tokens and their LTV (Loan-to-value) The following tokens are available for deposits and collateral: Core Assets: wETH (Wrapped Ethereum) - 55% LTV wHYPE (Wrapped Hype) - 45% LTV USDC (USD Coin) - 90% LTV UST (Tether USDt) - 90% LTV SCR (Scroll) - 20% LTV

ETHERFI CASH CARD (PINNACLE)

Metal crypto credit card with 3% wETH cashback, crypto concierge, and $50K/mo reward cap — unlocked at 50K loyalty points or 100K ETHFI stake

Status: Active

Issued by Etherfi

Curat Loyalty Bonus

Earn 50 xCURAT points on top of card benefits when you apply through us. T&Cs apply.

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No back image available

PINNACLE

Self Reported

What is this?

Card Overview

Custody Type

non-custodial

Card Type

debit

Material

Plastic

KYC

Standard

Pros

3% wETH cashback on first $50K monthly spend

Crypto concierge service (exclusive to Pinnacle and above)

Up to 65% off luxury hotels + 5% cashback

$100K/day spending limit

0% FX fee on EUR/USD transactions

Price and purchase protection up to $10,000

Up to 10 virtual cards

Non-custodial crypto account access

Cons

Requires 50K loyalty points or 100K ETHFI stake to unlock

ATM limit capped at $250/day (all tiers)

2% ATM fee applies

1% FX fee on non-EUR/USD currencies

Cashback rate drops to 1% above $50K/mo and 0.5% above $80K/mo

Rewards & Staking

Max Cashback

On eligible purchases

Reward Token

wETH

Paid out in wETH

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap $50,000/mo at 3% rate (progressive tiers above that)

Payout Frequency N/A

Welcome Bonus N/A

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount 100,000 ETHFI

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

ETHERFI CASH CARD (PINNACLE)

Self Reported

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Rewards paid in WETH, a volatile token whose USD value can swing.

Apply for ETHERFI CASH CARD (PINNACLE) Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

Ethereum

Polygon

Optimism

Arbitrum

Scroll

Tokens

USDC

LiquidUSD

Card Options

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure N/A

FX Fee 1%

ATM Withdrawal 2%

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit $100,000/day

Monthly Spend Limit N/A

ATM Withdrawal Limit $250 USD per 24-hour rolling period (max 3 attempts)

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Contactless

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No

Account Type N/A

Direct Deposit No

Bill Pay No

Instant Issuance No

Self Custody No

Dual Mode (Switch) No

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier Priority support

Support Type Live Chat, Email

Hours 24/7

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Available

Not available

76 countries

View country list (76 countries)

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Markets where this card can be used. Hover red regions for the restriction reason.

Excluded Regions

Regions where this card is not available

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Sources & Provenance

Official · 39News · 1

40 source citations across 40 fields, captured during the latest research run.

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Quick Answers

Frequently asked questions about ETHERFI CASH CARD (PINNACLE)

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.