ether.fi Cash - Luxe Card
Third National Bank · 85+ countries (Global) · Personal & business
DeFi restaking Visa credit & spend card with 3%–4% cashback and Claude/ChatGPT MCP integration
Is ether.fi Cash - Luxe Card worth it?
ether.fi Cash is a non-custodial Visa credit and spend card issued by Third National Bank with over $1B in cumulative volume across 85+ countries. Users spend against yield-bearing Liquid vaults or direct balances, earn 3%–4% cashback (plus 10%–30% category boosts), and can query transactions via Claude/ChatGPT MCP.
Pros
- 3% base cashback from Day 1 with no staking required on Core
- Borrow against yield-bearing restaked ETH/USDC vaults
- Read-only Claude & ChatGPT MCP AI integration
Cons
- 1% FX fee on non-USD for Core tier (EUR 0% in beta)
- 2% ATM fee with $750/day cap
- Cashback steps down after monthly spend band ($2k on Core) and pays in ETHFI/wETH
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 0%
- 0%
- FX fee
- 1%
- 1%
- ATM fee
- 2%
- ~2%
- Max daily spend
- $25,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $750
- ~2%
- KYC
- Full KYC
- Full KYC via Sumsub (~10 mins)
- Custody
- Self-custody
- Funds remain in your wallet until settlement
- Card network
- Visa
- credit card · issued by Third National Bank
Related crypto cards
Other ether.fi cards, each priced on its own. Fees, cashback and perks differ per card.
Supported crypto & networks
Where is ether.fi Cash - Luxe Card available?
Show all 25 supported countries
Availability lists change frequently. Confirm eligibility with Third National Bank before applying.
ether.fi Cash - Luxe Card — common questions
Is ether.fi Cash - Luxe Card available in United States?+
ether.fi Cash - Luxe Card is listed as available in 85+ countries (Global). Our data currently shows it as available in United States. Always confirm eligibility with Third National Bank before applying.
What fees does ether.fi Cash - Luxe Card charge?+
ether.fi Cash - Luxe Card has no issuance fee, no annual fee, a 0% crypto top-up fee and a 1% FX fee. ATM withdrawals cost 2%. 1%
Does ether.fi Cash - Luxe Card support Apple Pay and Google Pay?+
ether.fi Cash - Luxe Card supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is ether.fi Cash - Luxe Card self-custody?+
Yes. ether.fi Cash - Luxe Card is non-custodial: your assets stay in your own wallet until the moment of settlement. You remain responsible for key management and wallet security.
How does ether.fi Cash - Luxe Card cashback work?+
ether.fi Cash - Luxe Card offers 3.5%–3% cashback. Rewards are paid in ETHFI. Staking requirement: $10,000 liquid deposit. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.