ether.fi Cash - Luxe CardvsYodl 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 | YDVisa Yodl Pay Sovereign QR Rails 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 | 1% | Best 0.8% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | Best 0% |
| Rewards | ||
| Max cashback | Best 3.5%–3% cashback | Up to 1% cashback |
| Payout token | ETHFI | USDC |
| Staking | $10,000 liquid deposit | None (streak rewards for everyday QR payments) |
| Perks | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP | Sovereign QR Pay · Gasless L2 Payments · Quick Pay No-KYC |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Best Light KYC |
| Custody | Self-custody | Self-custody |
| Countries | Best 25 (85+ countries (Global)) | 7 (LATAM & Southeast Asia (Argentina, Brazil, Philippines, Vietnam, Colombia, Bolivia, Peru)) |
| Max daily spend | Best $25,000 | $5,000 |
| Monthly ATM limit | Best $750 | No ATM |
| Mobile wallets | Best Apple Google | |
| Networks | Ethereum, Arbitrum, Base | Best Ethereum, Arbitrum, Base, BNB Chain +3 |
| Top-up tokens | USDC, ETH, USDT | USDC, USDT, ETH |
| Issuer | Third National Bank | Sovereign QR Rails |
| 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.
Yodl Pay is the cheaper travel card at 0.8% FX, while ether.fi Cash - Luxe Card wins on annual cost at $0.
Both cards are available in 25 and 7 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 Yodl Pay — FAQ
Which is better, ether.fi Cash - Luxe Card or Yodl 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 Yodl Pay pays Up to 1% cashback with 0.8% 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 Yodl Pay?+
ether.fi Cash - Luxe Card has a no annual fee annual fee, 0% top-up fee and 1% FX. Yodl Pay has a no annual fee annual fee, 0% top-up fee and 0.8% 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 Yodl 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.