ether.fi Cash vs KuCoin Card (KuCard)

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

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.

KuCoin Card (KuCard)2.7

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

Verdict: ether.fi Cash

ether.fi Cash rates higher on our rubric: 3.5 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
ether.fi Cash: 3.5
KuCoin Card (KuCard): 2.7

ether.fi Cash and KuCoin Card (KuCard), 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.

ether.fi Cash and KuCoin Card (KuCard) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	ether.fi Cash	KuCoin Card (KuCard)
Editorial rating	3.5 (favoured on this row)	2.7
Issuer	ether.fi	KuCoin
Cashback	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.	New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.
Top reward tier	1% flat, no banding (Business)	3% cashback (VIP 11-12)
Reward tiers	5	7
Fees	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.	New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.
Countries issued in	82	1
Countries both are issued in	1	1
Last reviewed	2026-08-25	2026-08-25

Pros and cons, side by side

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

KuCoin Card (KuCard)

What works

Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token

What to watch

KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month

Frequently asked questions

Is ether.fi Cash or KuCoin Card (KuCard) better?

ether.fi Cash rates higher on our rubric: 3.5 against 2.7 for KuCoin Card (KuCard). 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, ether.fi Cash or KuCoin Card (KuCard)?

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.. KuCoin Card (KuCard): New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.. 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 ether.fi Cash and KuCoin Card (KuCard)?

Both are issued in New Zealand, on each issuer's own eligibility page. ether.fi Cash is issued in 82 countries we track and KuCoin Card (KuCard) in 1.

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

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