Ether.fi
Crypto Card
ether.fi Cash lets users spend crypto through a non-custodial Visa credit card, either paying directly from USDC in their vault or borrowing against their crypto, with 3% cashback on the first $2,000 of monthly spend at the Core level, then 1% and 0.5%. Note: cashback is paid in ETHFI, and physical card delivery is not available in every supported country.
ether.fi is a DeFi platform whose Cash product is a non-custodial Visa credit card. Users can pay directly from USDC or LiquidUSD in their ether.fi vault, or borrow against their crypto as collateral so they can spend without selling, and the product runs on the OP Mainnet network.
Borrow Mode Adds Risk
Spending more than the USDC in the vault borrows against crypto collateral, with variable interest from the moment of borrowing and liquidation risk if collateral value drops.
Physical Card Not Available Everywhere
Physical card delivery isn't offered in every eligible country, and US availability covers selected states only.
Lounge Passes Start at Luxe
Free airport lounge passes start at the Luxe level ($199 a year, 2 passes), so Core members get hotel and travel discounts but no free lounge visits.
Traditional cashback programs are often limited in value and speed.
The Oobit crypto card delivers a next-generation experience, instant, global, and crypto-native.
Ether.fi
Cashback
Up to 10%
3% up to a monthly spend limit
Earning
Every payment
Rate drops after monthly spend bands
Timing
Instant
ETHFI after a 7-day lock
Setup
Pay from wallet
Direct pay or borrow
Self-Custody
Yes
Card activation fee
Free
Core virtual $0 to $10; Luxe $199/yr
Oobit is built around spending directly from a stablecoin balance, with no borrowing and no liquidation risk tied to market swings. That makes it a practical alternative to ether.fi Cash for users who want straightforward spending without a Borrow Mode that charges interest from day one.
Paolo Ardoino
CEO of Tether
״User-experience perfection. Oobit + $USDt for payments in real-life.״
Filipe Toledo
2x World Surf Champion
״Oobit makes crypto payments simple, intuitive, and accessible for everyone.״
Joseph Abehsera
Crypto Veteran & Influencer
״After 10+ years in crypto, I believe Oobit has the greatest opportunity to bring crypto to the masses.״
Roger Ver
Bitcoin.com
“Thanks to oobit anyone can now pay with BitcoinCash, Bitcoin, Tether, Ethererum and other Crypto anywhere... “
Sarah Nabaa
VeChain foundation
“How crypto should be- digital cash, instant and helping the unbanked. Tap and Pay for everyday things in-store with your $VET...”
Questions?
Answers.
What is the ether.fi Cash card?
ether.fi Cash is a crypto card from ether.fi that you can use in store, online and at ATMs. Members earn cashback in ETHFI on card spending, trading and borrowing. Your membership level sets your cashback bands, and there is a separate Business tier.
How much cashback does the ether.fi card give?
On the Core level, ether.fi gives 3% on the first $2,000 of monthly USD spend, 1% up to $3,000 and 0.5% above that. Luxe and Pinnacle members get 3% on more spend. EUR purchases have lower thresholds. Cashback is paid in ETHFI and locked for 7 days before you can claim it.
Which countries is the ether.fi card available in?
ether.fi lists many countries for its physical card, including Argentina, Mexico, Colombia, the United Kingdom, much of Europe and several US states. Belgium and Ireland are eligible but without physical card delivery. If your country is not listed, you cannot apply. Oobit works in 80+ countries.
How is ether.fi cashback paid?
ether.fi converts your cashback to ETHFI at the current price when the purchase clears. It then stays locked for 7 days before you can claim it on the Cashback page. As with any crypto asset, the value of ETHFI can go up or down. Oobit gives 10% cashback with OOB, 5% with USDT.
What are the ether.fi card ATM limits?
ether.fi lists ATM limits of $5,000 per transaction and up to 5 withdrawals or $25,000 in a rolling 24 hours, for Core, Luxe, Pinnacle and VIP members. ATM withdrawals are not permitted in North Korea, Iran or Myanmar, and they do not earn cashback.
What is a good ether.fi Cash alternative?
Oobit is an ether.fi alternative if you want to pay from a wallet you already use. Oobit is a self-custodial crypto card that connects to wallets such as MetaMask, Trust Wallet or Phantom, and works in store (tap to pay, Apple Pay, Google Pay) and online at 175+ million merchants in 80+ countries.
Open your treasury, hold dollars, and start paying the world.
Abre tu tesorería, guarda dólares y empieza a pagarle al mundo.
Abra seu tesouro, guarde dólares e comece a pagar o mundo.
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Oobit provides technology that enables users to spend digital assets through existing payment networks. Services are subject to regional availability and regulatory requirements. Oobit operates through multiple entities globally. Certain features may be provided by licensed partners depending on your location.
US Cryptocurrency services are provided in partnership with Bakkt Financial Solutions I, LLC. Bakkt is registered with FinCEN as a Money Services Business (MSB) and holds state money transmitter licenses.