ether.fi Cash - Luxe CardvsKolo
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 |  Regional Partner 7.0/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 7.7/10 | 7.0/10 |
| Costs | ||
| Annual fee | None | None |
| FX fee | 1% | 1% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | Best 0.7% |
| Rewards | ||
| Max cashback | Best 3.5%–3% cashback | 1%–2% cashback |
| Payout token | ETHFI | BTC |
| Staking | $10,000 liquid deposit | None (2% BTC back first 30 days, 1% ongoing) |
| Perks | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP | Apple & Google Pay · Telegram Mini-App · Bitcoin Cashback |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Hybrid |
| Countries | Best 25 (85+ countries (Global)) | 23 (170+ countries (EEA, LATAM, APAC, CIS)) |
| Max daily spend | $25,000 | Best $50,000 |
| Monthly ATM limit | $750 | $750 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Ethereum, Arbitrum, Base | Best Ethereum, Tron, Solana, BNB Chain +2 |
| Top-up tokens | USDC, ETH, USDT | Best USDT, USDC, BTC, ETH, SOL |
| Issuer | Third National Bank | Regional Partner |
| 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 23 countries respectively. If your country is not on one of those lists, the choice is already made for you.
ether.fi Cash - Luxe Card vs Kolo — FAQ
Which is better, ether.fi Cash - Luxe Card or Kolo?+
ether.fi Cash - Luxe Card has the higher editor score. ether.fi Cash - Luxe Card pays 3.5%–3% cashback with 1% FX, while Kolo pays 1%–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 Kolo?+
ether.fi Cash - Luxe Card has a no annual fee annual fee, 0% top-up fee and 1% FX. Kolo 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 Kolo 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.