Crypto.com Visa Card vs ether.fi Cash Card

Crypto.com Visa Card Read the full review → ether.fi Cash Card Read the full review →

The short answer

Crypto.com costs less to run — 0.5% on foreign transactions at the entry tier and nothing above it, against ether.fi’s 1–1.5%, plus a free virtual card against 10 USD. ether.fi answers the question Crypto.com does not: what do I actually get back? It publishes 3% on the first 2,000 USD a month. Crypto.com’s fee page lists monthly spending caps but no percentage, because the rate is tied to a Level Up plan. So one card is cheaper to use and the other is the only one you can budget with.

In 30 seconds

  • Foreign transaction feeCrypto.com — 0.5% at entry tier, nothing above it
  • Cost to get the cardCrypto.com — free virtual; ether.fi charges 10 USD
  • Cashback rate publishedether.fi — 3% with a stated cap; Crypto.com publishes no percentage
  • Spend without sellingether.fi — credit against collateral
  • Topping upCrypto.com charges 0–2% by method; ether.fi does not publish a top-up fee

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

ItemCrypto.comether.fi
Taiwan Available — we applied ourselves Available — we applied ourselves
Hong Kong Available — inferred from the issuer’s documents Not on the issuer’s exclusion list

The card

ItemCrypto.comether.fi
Network Visa Visa
Card type Prepaid Debit
Physical card Yes Yes

Fees

ItemCrypto.comether.fi
Annual feeSame Free Free
Virtual card issuance better Free 10 USD (Core / Luxe / Pinnacle); free for VIP
Physical card issuanceDifferent currencies — we do not convert Midnight SGD 4.99; Ruby SGD 39.99 (free for annual Level Up Plus subscribers, monthly subscribers of 6+ months, or an active lockup) Core 50 USD; Luxe and Pinnacle 100 USD; free for VIP (covers the card and shipping)
Foreign transaction fee better Midnight 0.5% (purchases and ATM); no fee on other tiers FX 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 Debit card top-up 0%; credit card 1%; via Apple Pay 2% Not published
ATM withdrawal 2% above the monthly free allowance; allowance is SGD 200 Midnight / 400 Ruby / 800 Indigo-Jade / 1,000 Icy-Rose-Obsidian Supported; the issuer does not publish a rate

Cashback

ItemCrypto.comether.fi
Base cashback The issuer does not publish a base rate 3%
Maximum cashback Not published 3%
Cashback cap 1,250 USD/month — Basic none / Plus 1,250 / Pro 2,500 USD / Private uncapped 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

ItemCrypto.comether.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

ItemCrypto.comether.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.

Crypto.com Visa Card suits you if

  • Per-transaction cost matters more to you than rewards
  • You already use Crypto.com for trading, staking or a Level Up plan
  • You will fund by debit card, where the top-up fee is 0%

ether.fi Cash Card suits you if

  • You want to know what you get back before you apply, not after
  • You hold on-chain assets and do not want to sell them to spend
  • You want a third party who has actually held the card, not just read the fee page

So which one?

If you want to minimise what each purchase costs and you do not mind looking up your Level Up plan to find the reward rate, Crypto.com is the cheaper card. If you want to work out the maths before applying, ether.fi is the only side of this pair that gives you the numbers to do it. A card that does not publish its cashback is not necessarily a bad deal — it just means you cannot check.

Apply

Apply for Crypto.com Visa Card Apply for ether.fi Cash CardNo annual fee · 3% cashback · fees verified line by line

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