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ether.fi review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ether.fi suits business cardholders who want rewards without an annual charge: the fee is $0 and the cashback runs at 3% cashback, up to $2K monthly spend (Core), paid in ETHFI. The catch is a 0% to 0.5% conversion cost and a self custody wallet behind the balance.

Key facts

Best for
Business cardholders who want no annual fee and cashback without leaving a self-custody wallet.
Annual fee
$0↗
Currency conversion fee
0% to 0.5%↗
Rewards type
Cashback↗
Rewards rate
3% cashback, up to $2K monthly spend (Core), paid in ETHFI↗
Perks
Global eSIM, Visa concierge, Airport lounge access, Flight and medical coverage, Baggage delay and loss protection, Auto rental coverage, Purchase and price protection, Identity theft protection, Insurance-backed account balance protection up to $500,000, 1 free virtual card, Ether.fi Travel 5% cashback↗
Cashback rate
3%↗
Card kind
Credit↗
Legal entity
Ether.Fi SEZC↗
Headquarters
Cayman Islands↗
Support channels
Email, Chat, Help-centre, Community↗
Pricing model
No annual fee
Features
Rewards
Audience
Business
Official website
ether.fi

Crypto wallets

Wallet type
Mobile↗
Price
$0 to $999↗
Custody
Self custody↗
Coins supported
from 100↗
Open source
Yes↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXgithub.com

Pros and cons

Pros

  • No annual fee: $0, matching the €0 at bunq and the £0 at Wise.
  • Cashback rewards of 3% on cashback, sitting at the site headline rate median of 3%.
  • A free virtual card sits in Global eSIM, Visa concierge and Airport lounge access, so online spending needs no second physical card.
  • Balances carry insurance-backed protection in Global eSIM, Visa concierge and Airport lounge access, with funds held in self custody.

Cons

  • The currency conversion fee of 0% to 0.5% applies on foreign spend, against a site median of 1% and the 0% at Varo Believe Secured Credit Card.
  • Support runs on email, chat and help centre only, with no phone line, while 74.4% of providers in the site data offer phone support.
  • The card is built for business users, so anyone applying for a personal card sits outside the stated scope.
ether.fi

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Scored 9.6 / 10 by SumCue.

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Who it suits

  • Business cardholders who already hold assets in a self-custody wallet and want a card attached to it
  • Anyone who spends abroad but can keep foreign currency spending low
  • Cardholders who want a free virtual card for online purchases

Who should look elsewhere

  • Heavy foreign spenders, since Varo Believe Secured Credit Card converts at 0% against 0% to 0.5% here
  • Anyone applying for a personal card, as business covers business users

Fees and currency costs

The annual fee on the ether.fi card is $0, so holding it costs nothing in the way most cards do. The site median for annual fees in this category is €0, and the upper quartile of the cards listed reaches €6, which puts this card at the cheaper end of the field. The one recurring cost is currency conversion. Foreign spending is charged 0% to 0.5%, below the site median of 1% and well under the 2.5% upper quartile. Because that fee attaches to what you carry, keeping day to day spending in the card currency is the cheapest route.

Rewards and perks

Rewards are paid as cashback. The headline rate is 3% cashback, up to $2K monthly spend (Core), paid in ETHFI, which sits at the site median of 3% for headline rates in this category, with the upper quartile at 4.15%. Many cards in the data carry no rewards at all, a share of 29.7%, so paying cashback is the exception here. The perk list carries more weight than the rate. Global eSIM, Visa concierge and Airport lounge access covers travel, protection and online spending add-ons, including a global eSIM, a free virtual card and insurance-backed account balance protection. One caveat: the headline rate is tied to a spend ceiling and paid in the provider's own token, so its value moves with the token price.

Who runs it

The card is issued by Ether.Fi SEZC, registered in Cayman Islands, and the provider describes itself as open source, so the software behind the account is published rather than closed. No regulator is named for ether.fi and no deposit protection scheme is stated alongside it, which is the point of difference on safety of the money. The wallet uses self custody, so the keys sit with you, and balances carry the insurance-backed protection set out in Global eSIM, Visa concierge and Airport lounge access rather than a bank deposit guarantee. Support runs through email, chat and help centre. There is a help centre and live chat, alongside email and a community channel, but no phone line, which compares with 74.4% of providers in the site data that do offer phone support.

How ether.fi compares

Where ether.fi is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does the ether.fi card charge an annual fee?+

The annual fee is $0, and the product runs on a no annual fee model. The site median annual fee across the cards listed is €0, while the upper quartile reaches €6, so this card sits at the cheaper end of the field.

What does it cost to spend in another currency?+

Foreign spending is charged 0% to 0.5% on conversion, below the site median of 1% but above the 0% listed by Varo Believe Secured Credit Card. Because the fee applies to what you carry, keeping day to day spending in the card currency is the cheaper route.

Is my money protected, and who regulates the card?+

No regulator is named for ether.fi, so there is no deposit protection scheme to point to. The wallet holds funds in self custody, and Global eSIM, Visa concierge and Airport lounge access sets out insurance-backed account balance protection. Any balance on the card is a debt that has to be repaid.

What rewards do I get and what are the limits?+

Rewards are paid as cashback at 3% cashback, up to $2K monthly spend (Core), paid in ETHFI. The card is built for business users, and the cashback is paid in the provider's own token, so the real value follows the token price rather than staying flat.

What extras come with the card?+

Global eSIM, Visa concierge and Airport lounge access sets out the full list, covering travel items such as a global eSIM, airport lounge access and flight coverage, plus purchase and price protection, identity theft protection and a free virtual card. Cashback at 3% sits on top of those.

How do I get help if something goes wrong?+

Support runs on email, chat and help centre, so a help centre, live chat, email and a community channel are available. There is no phone line, and 74.4% of providers in the site data do offer one, so a blocked card means relying on chat or email.

Can I use it outside my home country?+

The travel perks in Global eSIM, Visa concierge and Airport lounge access cover use abroad, including airport lounge access, flight and medical coverage and baggage protection, plus a global eSIM. Budget for the 0% to 0.5% conversion cost on foreign spend, and note that the card is aimed at business users.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

ether.fi

ether.fi

Business cardholders who want no annual fee and cashback without leaving a self-custody wallet.

9.6/10See alternatives