The real difference is not the fees — it is where the money comes from. ether.fi runs on credit: you spend against collateral that stays on-chain and keeps earning. Bitget Wallet spends a balance you topped up first. ether.fi’s foreign transaction fee is lower (1–1.5% against 1.7%), but it charges 10 USD to issue a virtual card where Bitget Wallet charges nothing. If you already hold on-chain assets and do not want to sell them to spend, that model is the whole point. If you just want a card without paying to get one, Bitget Wallet is the lower barrier.
In 30 seconds
Cheaper on foreign spendether.fi — 1–1.5% against 1.7%
Spend without sellingether.fi — credit against collateral
Choose what cashback pays inBitget Wallet — USDC, BTC, gold or US equities
Non-custodialBitget Wallet — the only one of the two
Full comparison
Read straight from the same database as each card’s review.
We mark a winner only when one card’s worst case still beats the other’s best case —
where the ranges overlap we say so instead of picking for you.
Where you can apply
Item
Bitget Wallet
ether.fi
Taiwan
Available — named in the issuer’s own list
Available — we applied ourselves
Hong Kong
The issuer does not say
Not on the issuer’s exclusion list
The card
Item
Bitget Wallet
ether.fi
Network
Visa
Visa
Card type
Debit
Debit
Physical card
Yes
Yes
Fees
Item
Bitget Wallet
ether.fi
Annual feeSame
Free
Free
Virtual card issuance
betterFree
10 USD (Core / Luxe / Pinnacle); free for VIP
Physical card issuance
better49 USD (includes international shipping, deducted from card balance)
Core 50 USD; Luxe and Pinnacle 100 USD; free for VIP (covers the card and shipping)
Foreign transaction fee
1.7% (settled at Visa's live rate)
betterFX base rate of about 1%, plus a tier margin: Core +0-0.5% / Luxe +0-0.25% / Pinnacle and VIP no margin
Top-up / deposit fee
Free
Not published
Crypto conversion
About 0.5% on every transaction
Not published
ATM withdrawal
1% of the amount, minimum 5 USD; the ATM operator may add its own surcharge
Supported; the issuer does not publish a rate
Cashback
Item
Bitget Wallet
ether.fi
Base cashback
The issuer does not publish a base rate
3%
Maximum cashbackSame
3% — requires: The issuer does not publish what it takes to reach 3%
3%
Cashback cap
600 USD/month
2,000 USD/month — 3% on the first 2,000 USD, 1% from 2,001–3,000 USD, 0.5% above that
Hands-on in Taiwan
Item
Bitget Wallet
ether.fi
Apple Pay
We have not tested this
Works
Google Pay
We have not tested this
Works
LINE Pay
We have not tested this
Works
7-11
We have not tested this
Declined in testing
FamilyMart
We have not tested this
Works via Apple Pay
Verification
Item
Bitget Wallet
ether.fi
Last checked
2026-08-05
2026-08-05
“Not published” and “we have not tested this” are different things, and neither means zero.
We do not fill gaps to make the table look complete.
Bitget Wallet Card suits you if
You want a card at the lowest possible entry cost — free virtual, 49 USD physical
You would rather take cashback as BTC, gold or equities than a stablecoin
You want the keys to stay on your side; this is the only non-custodial card we track
ether.fi Cash Card suits you if
You already hold on-chain assets and do not want to liquidate them to spend
Your foreign spend is high enough that 1.7% against 1–1.5% compounds
You want a card a third party has actually held and tested, not just read about
So which one?
If your assets are already on-chain and you intend to keep them there, ether.fi’s credit model is what you are paying the 10 USD for, and it is the only card here that offers it. If you want the cheapest way to hold a working card, or you want cashback paid in something other than a stablecoin, Bitget Wallet wins. Neither charges an annual fee, so this choice does not lock you in.
Some links on this site are affiliate links. If you sign up through one, we may be paid a commission. It does not change what you pay, and it does not change our ranking — cards we have no partnership with are compared on the same page, on the same terms.
Bitget Wallet Card 
ether.fi Cash Card