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ether.fi Cash vs Oobit Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-10-29
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.

Oobit Card3.1

Oobit Card is a Visa card that spends stablecoins and crypto from an Oobit account or, through DePay, a self-custody wallet, with a 1% fee on every card payment and base points worth 0.1% to 0.5%.

Verdict: ether.fi Cash

ether.fi Cash rates higher on our rubric: 3.5 against 3.1 for Oobit Card.

Criterion
Editorial rating
ether.fi Cash
3.5
Oobit Card
3.1

ether.fi Cash and Oobit Card, 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 Oobit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Factether.fi CashOobit Card
Editorial rating3.5 (favoured on this row)3.1
Issuerether.fiOobit Technologies UAB; outside the United States the card is issued by Third National under license from Visa
Cashback3% 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.Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app.
Top reward tier4% on first $50,000/month (VIP)5 points per $1, worth 0.5% (Level 5)
Reward tiers55
FeesNo 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.No fee to get the card and no monthly fee; 1% per card payment with a $0.25 minimum; the card is denominated in USD, with up to 1.5% more on other currencies; 2.5% on ATM withdrawals.
Countries issued in8272
Countries both are issued in5656
Last reviewed2026-08-252026-10-29

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

Oobit Card

What works

  • No fee to get the card and no monthly fee, so the cost is per payment only
  • DePay pays from a self-custody wallet such as MetaMask, Trust Wallet or Phantom without moving funds into Oobit first
  • Listed in 72 countries that have a guide on this site, including most of the European Economic Area, the United Kingdom, the United States, Brazil, Mexico and South Korea
  • Works with Apple Pay and Google Wallet, so you can tap to pay wherever Visa is accepted

What to watch

  • A 1% fee applies to every card payment, with a $0.25 minimum, which is more than the 0.1% to 0.5% the base points pay back
  • Payments in currencies other than USD can add up to 1.5% on top, and ATM withdrawals cost 2.5%
  • Rewards can only be spent on Tap to Pay payments in the app and cannot be withdrawn, and Oobit can change offers on 30 days' notice
  • The 5% stablecoin reward is capped at $200 of spend and the 10% OOB reward at $5,000 of spend
  • The self-custody route needs a spending approval that lets Oobit draw up to your limit, and the card terms let Oobit and the issuer change spending limits, including to $0, with or without notice

Frequently asked questions

Is ether.fi Cash or Oobit Card better?

ether.fi Cash rates higher on our rubric: 3.5 against 3.1 for Oobit Card. 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 Oobit Card?

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. Oobit Card: Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app. 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 Oobit Card?

Both are issued in 56 countries, including Andorra, Argentina, Australia, Austria, Bahamas, on each issuer's own eligibility page. ether.fi Cash is issued in 82 countries we track and Oobit Card in 72.

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

More comparisons

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