ether.fi Cash - Luxe CardvsGokubu Pay
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric |  Third National Bank 7.7/10 Get card | GKVisa Gokubu Pay Rain Cards 7.1/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 7.7/10 | 7.1/10 |
| Costs | ||
| Annual fee | None | None |
| FX fee | 1% | 1% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | Best 3.5%–3% cashback | 2% cashback |
| Payout token | ETHFI | GKU |
| Staking | $10,000 liquid deposit | No token staking required |
| Perks | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP | Apple & Google Pay · 6% AI Rewards · 0% FX Fees |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Countries | Best 25 (85+ countries (Global)) | 9 (US & Early Access Global markets) |
| Max daily spend | Best $25,000 | $10,000 |
| Monthly ATM limit | $750 | Best $1,000 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Ethereum, Arbitrum, Base | Best Ethereum, Base, Solana, Polygon |
| Top-up tokens | Best USDC, ETH, USDT | USDC, USDT |
| Issuer | Third National Bank | Rain Cards |
| Network | Visa | Visa |
The quick verdict
ether.fi Cash - Luxe Card pays the highest headline cashback at 3%, but check the staking requirement: $10,000 liquid deposit.
ether.fi Cash - Luxe Card is the cheaper travel card at 1% FX, while ether.fi Cash - Luxe Card wins on annual cost at $0.
Both cards are available in 25 and 9 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- 3% base cashback from Day 1 with no staking required on Core
- Borrow against yield-bearing restaked ETH/USDC vaults
- Up to 6% flat cashback across all categories on first $2,000/mo
- 0% foreign transaction fees and free Plaid ACH bank linking
ether.fi Cash - Luxe Card vs Gokubu Pay — FAQ
Which is better, ether.fi Cash - Luxe Card or Gokubu Pay?+
ether.fi Cash - Luxe Card has the higher editor score. ether.fi Cash - Luxe Card pays 3.5%–3% cashback with 1% FX, while Gokubu Pay pays 2% cashback with 1% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, ether.fi Cash - Luxe Card or Gokubu Pay?+
ether.fi Cash - Luxe Card has a no annual fee annual fee, 0% top-up fee and 1% FX. Gokubu Pay has a no annual fee annual fee, 0% top-up fee and 1% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use ether.fi Cash - Luxe Card and Gokubu Pay together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.