Provider comparison
BitPay Card vs ether.fi Cash Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
The ether.fi Cash Card is a non-custodial crypto card that lets you spend your crypto directly from your wall…
Effective rewards
BitPay Card
ether.fi Cash Card
Reward asset
BitPay Card
ether.fi Cash Card
Staking tier
BitPay Card
ether.fi Cash Card
Custody
BitPay Card
ether.fi Cash Card
Annual fee
BitPay Card
ether.fi Cash Card
FX fee
BitPay Card
ether.fi Cash Card
ATM fee
BitPay Card
ether.fi Cash Card
Conversion spread
BitPay Card
ether.fi Cash Card
Network
BitPay Card
ether.fi Cash Card
Apple / Google Pay
BitPay Card
ether.fi Cash Card
Region availability
BitPay Card
ether.fi Cash Card
| Feature | BitPay Card | ether.fi Cash Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | 2-3% base cashback; 5-10% realistic for active protocol users (15% ceiling needs full points/restaking stack) |
| Reward asset | None (occasional promos) | Cashback + ether.fi loyalty points / CASH program |
| Staking tier | No forced lock, but top rates need active staking/restaking participation | |
| Custody | Custodial | Non-custodial |
| Annual fee | $0 stated | Free tier (Core card) available; 3 virtual cards |
| FX fee | ~3% foreign transaction fee (poor for travel) | Verify (low) |
| ATM fee | Applies | Verify |
| Conversion spread | BitPay conversion rate on load | Borrow-against-collateral (credit) avoids selling; spread minimal |
| Network | Mastercard | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | US and international (verify by state/country) |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
ether.fi Cash Card
The ether.fi Cash Card is a non-custodial crypto card that lets you spend your crypto directly from your wallet without giving up control of your funds. It offers a self-custody approach to everyday spending for users who prioritize security.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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