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EtherFi Cash Review: Fees, Cashback & Referral

EtherFi Cash is ether.fi's crypto-funded Visa card, with up to 3% ETHFI cashback on the first $2,000 a month at the free Core tier. ETHFI is already live, so no new airdrop is announced. The Getref link applies the code at sign-up; invitee rewards aren't published. KYC is required.

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Referral code

380bf0d9

Enter it if the site asks for a code
Open with code

How to get the card

Open EtherFi Cash through the Getref link, then sign up on its own site.

  1. 1

    Open EtherFi Cash through the link

    Click the button: EtherFi Cash opens with the Getref referral attached.

  2. 2

    Sign up or connect your wallet

    Do it on the page that opens. How the referral is bound is described under “Good to know”.

  3. 3

    Use EtherFi Cash

    Anything EtherFi Cash gives invited users is applied by EtherFi Cash itself. Getref never holds your funds or keys.

Good to know

  • Signed up without the link?

    The docs describe the referral code as applied when you sign up through the link. They don't describe adding it to an existing account later.

  • What do invited users get?

    No invitee payout is published for this code. If a referral campaign runs, its cashback terms appear in the Promotions section of the app.

  • Availability by country

    Unavailable in sanctioned and prohibited jurisdictions (for example Cuba, Iran, North Korea, Syria, Russia, Belarus, Ukraine, Venezuela), and since 27 October 2026 in Indonesia for new sign-ups. The supported-country list is in the help centre and can change.

    Official list of restricted countries

About EtherFi Cash

EtherFi Cash is the Visa spending card from ether.fi, the staking and DeFi protocol. Funds sit in a non-custodial Safe vault with a Turnkey signer, and the card spends USDC directly or borrows against other vault assets in Borrow Mode. Cashback is paid in ETHFI. Four membership levels apply: Core (free), Luxe ($199 a year), Pinnacle ($999) and VIP, with metal cards from Luxe up. Cards work in Apple Pay and Google Pay once you add the details manually. KYC is mandatory before a card is issued. The card is listed for 89 countries and regions, including part of the United States, and is closed to sanctioned and several other jurisdictions.

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    Official account

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Who it suits

Suits people who already keep crypto in a self-custody vault and want a card that spends it directly, with a free Core tier and Apple and Google Pay. It does not suit anyone who wants a fixed, predictable return: cashback is paid in ETHFI with a 7-day lock, Borrow Mode accrues interest from day one and carries liquidation risk, and the FX fee differs between official pages.

Pros

  • Free Core tier with a virtual card and up to 3% cashback on the first $2,000 a month
  • Spends from a self-custody Safe vault with no deposit fee
  • Apple Pay and Google Pay supported
  • Itemised tier table and published country list

Cons

  • Cashback is paid in ETHFI with a 7-day lock, so its value moves with the token price
  • Borrow Mode charges variable interest from day one and can be liquidated
  • FX fee and country lists differ between official pages; US access is state by state
  • Mandatory KYC and a $10 deposit before verification

Guides and articles

How fees, rebates and referral codes work — explained step by step.

Go to the blog

EtherFi Cash: frequently asked questions

What are EtherFi Cash card fees?
Core is free with no annual card fee. The first virtual card is free in most regions ($10 in AR, BD, BO, CO, EC, MY, MX, NG, PE, PH, ZA and TH) and extra virtual cards cost $10. A physical card is $50 on Core; Luxe and Pinnacle include free ones. Luxe ($199/year) and Pinnacle ($999/year) are optional. There is no deposit fee, only gas.
How much cashback does EtherFi Cash pay?
Core pays 3% on the first $2,000 of monthly spend, 1% from $2,001 to $3,000, then 0.5%. Luxe raises the 3% band to $10,000, Pinnacle to $50,000, and VIP pays 4% on the first $50,000. EUR spend has lower bands, and ATM withdrawals earn nothing. Cashback is paid in ETHFI after a 7-day lock.
What is the EtherFi Cash FX fee?
It differs between official pages. The help centre lists a margin of 0.5% on Core, 0.25% on Luxe and none on Pinnacle and VIP, with EUR purchases at 0% markup (beta). The February 2026 cardholder agreement describes a 1% base foreign transaction fee plus up to 0.5% (Core) or 0.25% (Luxe).
Does EtherFi Cash work with Apple Pay and Google Pay?
Yes. Add the card details manually in Apple Wallet or Google Wallet. Apple Pay availability depends on the country of residence on your account.
Is EtherFi Cash safe, and do I need KYC?
The Safe vault is non-custodial and ether.fi states it cannot move your funds. KYC is mandatory before a card is issued: ID, a liveness selfie and address, usually reviewed within 48 hours. A $10 deposit is needed before verification completes. Borrow Mode carries liquidation risk.
Which countries can use EtherFi Cash?
89 countries and regions are listed, including the UK, much of the EU, Canada, Australia, Japan, Brazil and part of the US (state by state). Sanctioned jurisdictions are blocked, and Indonesia has been closed to new sign-ups since 27 October 2026.
Is there an EtherFi Cash referral reward or airdrop?
Rewards for invitees aren't published for this link. A referral counts toward the referrer once the invitee activates the card and spends at least $100. ETHFI is already live, and no new airdrop is announced for the card.

Written by Getref EditorialHow we check terms