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Coinbase Card vs ether.fi Cash

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
Coinbase Card3.6

Coinbase Card is a fee-free Visa debit card that spends straight from your Coinbase balance and pays up to 4% back in rotating crypto rewards for US users.

ether.fi Cash3.5

ether.fi Cash is a self-custodial Visa credit card that pays 3% cashback on the first $2,000 to $50,000 of monthly spend depending on membership tier, stepping down to 1% and 0.5% above that band.

Verdict: Coinbase Card

Coinbase Card rates higher on our rubric: 3.6 against 3.5 for ether.fi Cash.

Criterion
Editorial rating
Coinbase Card
3.6
ether.fi Cash
3.5

Coinbase Card and ether.fi Cash, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Coinbase Card and ether.fi Cash compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactCoinbase Cardether.fi Cash
Editorial rating3.6 (favoured on this row)3.5
IssuerCoinbaseether.fi
CashbackUS Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.
Top reward tier4% Bitcoin back (Coinbase One Card, $200,000+ AOC)1% flat, no banding (Business)
Reward tiers55
FeesNo annual, monthly, or issuer-side ATM/foreign-transaction fee on the US Visa debit card; the Coinbase One Card carries a required paid membership starting at $4.99/month instead of a card fee.No annual fee at any tier; FX runs roughly 1% base rate plus a tier margin of 0-0.5% (Core) down to 0% (Pinnacle/VIP); ATM withdrawals cost 2% per transaction, capped at $500 with 3 attempts per 24 hours.
Countries issued in3282
Countries both are issued in2828
Last reviewed2026-08-242026-08-25

Pros and cons, side by side

Coinbase Card

What works

  • No monthly or annual fee on the base Visa debit card
  • No issuer-side foreign transaction or ATM fee in the current cardholder agreement
  • Coinbase One Card's Bitcoin-back tiers scale up to 4% for larger Coinbase balances
  • Widely accepted Visa network with Apple Pay and Google Pay support

What to watch

  • Rewards on the plain Visa debit card are US-only; UK and EEA cardholders can spend but earn nothing
  • Coinbase One Card rewards require a paid membership on top of the card itself
  • The 2.5-4% Coinbase One Card tiers are capped at the first $10,000 of monthly spend, reverting to 2% after that
  • Buying crypto with either card is treated as a cash advance with a high APR and no rewards

ether.fi Cash

What works

  • Fully non-custodial, spending against a self-held crypto vault rather than a custodial balance
  • No annual fee at any of the four membership tiers
  • Higher tiers reduce or eliminate the FX margin entirely, down to 0% at Pinnacle and VIP
  • 3% cashback band scales up to $50,000 of monthly spend at the Pinnacle tier

What to watch

  • Cashback is banded, not flat: heavy spenders on lower tiers fall to just 0.5% once they exceed their tier's spend cap
  • ATM access is tightly capped at $500 per withdrawal and 3 attempts per 24 hours, limiting practical cash access to about $1,500/day
  • Physical card issuance costs $50-$100 depending on tier, unlike most competitors' free physical cards
  • Sources disagree on the exact reward asset (SCR/SCRL, wETH, or USDC across different documentation), so the payout token should be confirmed in-app before relying on it

Frequently asked questions

Is Coinbase Card or ether.fi Cash better?

Coinbase Card rates higher on our rubric: 3.6 against 3.5 for ether.fi Cash. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Coinbase Card or ether.fi Cash?

Coinbase Card: US Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.. ether.fi Cash: 3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Coinbase Card and ether.fi Cash?

Both are issued in 28 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Coinbase Card is issued in 32 countries we track and ether.fi Cash in 82.

The full reviews: Coinbase Card and ether.fi Cash, each with its sources, and every crypto card we review.

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