ether.fi Cash - Luxe CardvsOobit
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 |  Tether Backed / Visa Partner 6.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 7.7/10 | 6.6/10 |
| Costs | ||
| Annual fee | None | None |
| FX fee | Best 1% | 1.5% |
| Crypto top-up | Best 0% | 1% |
| Issuance fee | Free | Free |
| ATM fee | Best 2% | 2.5% |
| Rewards | ||
| Max cashback | 3.5%–3% cashback | Best 5%–10% cashback |
| Payout token | ETHFI | USDT |
| Staking | $10,000 liquid deposit | Unlocks at Level 2 ($250 cumulative spend in 90 days): 5% back on USDT spend ($200/mo spend cap) or 10% on OOB spend ($10k/mo spend cap) |
| Perks | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP | Apple & Google Pay · Tether Backed · 5%–10% Cashback |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Hybrid |
| Countries | 25 (85+ countries (Global)) | 25 (100+ countries (EEA, LATAM, APAC, MEA)) |
| Max daily spend | Best $25,000 | $10,000 |
| Monthly ATM limit | $750 | $750 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Ethereum, Arbitrum, Base | Best Ethereum, Tron, Solana, BNB Chain +3 |
| Top-up tokens | USDC, ETH, USDT | Best USDT, USDC, BTC, ETH, SOL |
| Issuer | Third National Bank | Tether Backed / Visa Partner |
| Network | Visa | Visa |
The quick verdict
Oobit pays the highest headline cashback at 10%, but check the staking requirement: unlocks at level 2 ($250 cumulative spend in 90 days): 5% back on usdt spend ($200/mo spend cap) or 10% on oob spend ($10k/mo spend cap).
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 25 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
ether.fi Cash - Luxe Card vs Oobit — FAQ
Which is better, ether.fi Cash - Luxe Card or Oobit?+
ether.fi Cash - Luxe Card has the higher editor score. ether.fi Cash - Luxe Card pays 3.5%–3% cashback with 1% FX, while Oobit pays 5%–10% cashback with 1.5% 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 Oobit?+
ether.fi Cash - Luxe Card has a no annual fee annual fee, 0% top-up fee and 1% FX. Oobit has a no annual fee annual fee, 1% top-up fee and 1.5% 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 Oobit 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.