可申请地区
支持申请或可正常开卡使用
75条
- 证据来源
- 官方支持
- 更新时间
- 2026/07/19

最近更新:2026/09/16
Ether.fi Cash Card 是与 ether.fi 非托管加密资产账户连接的 Visa 信用卡。用户可直接使用 Vault 中的 USDC 或 LiquidUSD 支付,也可抵押合资格加密资产借入 USDC 完成消费。卡片提供虚拟卡、塑料实体卡和金属卡,可用于线上购物、线下刷卡、移动钱包和 ATM 取现,并按会员等级获得最高3%的 USDC 消费返现。
用户加入免费的 ether.fi The Club、完成完整 KYC 后,可以申请 Cash 虚拟卡或实体卡。Direct Pay 模式优先从 Vault 中扣除 USDC,其次扣除 LiquidUSD;Borrow Mode 则以 wETH、weETH、USDT、USDC、ETHFI、eBTC 等合资格资产作为抵押,通过 DeFi 借贷协议获得 USDC 支付额度。卡片消费由 Visa 网络处理,卡片发行方与 ether.fi 协议及非托管钱包服务相互独立。产品设有 Core、Luxe、Pinnacle 和邀请制 VIP 四个会员等级,不同等级在卡片材质、免费卡数量、每日消费额度、外汇加价和会员权益方面存在差异。Borrow Mode 会受到借款利率、抵押率变化和资产清算风险影响。
这张卡片暂时没有可展示的使用规模数据。数据补充后会在这里显示。
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域,左右查看全部卡片;左侧项目保持固定
E ether.fi Cash Core Card | E ether.fi Cash Luxe Card | E ether.fi Cash Pinnacle Card | E ether.fi Cash VIP Card | |
|---|---|---|---|---|
| 卡片类型 | 虚拟卡+实体卡 | 虚拟卡+实体卡 | 虚拟卡+金属卡 | 虚拟卡+实体卡 |
| 费用 | ||||
| 月费 | 免费 会员免费无持续月费。 | 免费 会员免费无持续月费 | 免费 会员免费无持续月费 | 免费 会员免费无持续月费 |
| 开卡费 | 50 USD 首张免费;50 USD,含配送;额外10 USD。 | 10 USD 前4张及首张免费;额外10 USD、100 USD。首张免配送费。 | 10 USD 前10张及前2张免费;额外10 USD、100 USD | 免费 及前2张免费,仅限受邀会员申请 |
| ATM 取现费 | 2% 按每笔取现金额收取。 | 2% 按每笔取现金额收取 | 2% 按每笔取现金额收取 | 2% 具体额度按账户设置 |
| 货币转换费 | 0.5% 按交易币种计算,费率在0%至0.5%之间。 | 0.25% 按交易币种计算,范围0%–0.25% | 免费 不收额外外汇加价 | 免费 不收额外外汇加价 |
| 充值费 | — | — | — | — |
| 交易失败费 | 免费 拒绝交易不扣资金。 | 免费 拒绝交易不扣资金 | 免费 拒绝交易不扣资金 | 免费 拒绝交易不扣资金 |
| 奖励 | ||||
| 返现 | — | — | — | — |
| 加密货币返现 | 3% 按月累计消费递减,返现比例在0.5%至3%之间。 | 3% 前三档按消费递减,范围0.5%–3% | 3% 高额消费分档递减,范围0.5%–3% | 0% 会员专属返现,比例按邀请权益确定 |
| 质押奖励 | — | — | — | — |
| 质押年利率 | — | — | — | — |
| 欢迎奖金 | — | — | — | — |
| 推荐奖金 | 10% 按推荐用户活动计算,推荐人获得被推荐人消费返现的1%及入金积分的10%。 | 10% 1%消费返现及10%入金积分,按推荐用户活动计算 | 1% 1%消费返现及10%入金积分,按推荐用户活动计算 | 0.99% 1%消费返现及10%入金积分,按推荐用户活动计算 |
| 限制 | ||||
| 每日支出限额 | 30,000 USD 实际受自设限额控制。 | 50,000 USD 实际受自设限额控制 | 100,000 USD 实际受自设限额控制 | — |
| 每月支出限额 | — | — | — | — |
| ATM 取款限额 | 1,500 USD 单笔500 USD;24小时1,500 USD;每日最多取现三笔。 | 1,500 USD 单笔500 USD;24小时1,500 USD;每日最多取现三笔 | 1,500 USD 单笔500 USD;24小时1,500 USD;每日最多取现三笔 | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。
支持申请或可正常开卡使用
75条
不支持或受限开户/功能
40条
资料不足,状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆:不支持申请,官方将 China 列入 Cash 和法币服务禁区;由其他合资格地区发行的卡可在 Visa 受理商户及合资格移动支付场景使用。
2、香港:支持申请及实体卡配送,可使用虚拟卡、实体卡、Apple Pay、Google Pay、线上支付和线下 Visa 消费
3、澳门:官方未列为禁止地区,但未列入实体卡配送清单;虚拟卡申请需以实际 KYC 页面为准,境外卡可在 Visa 商户使用
4、台湾:支持申请及实体卡配送,可使用线上、线下及手机钱包支付,最终仍需完成所在地 KYC 和发卡方审核
开户前需完成身份验证,以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、国民身份证、驾驶证、公共事业账单、银行账单、信用卡账单
资料完整时可快速通过,地址或身份信息不一致会转入人工合规复核
未披露
2026/08/03
查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
12项
不支持
0项
数据更新时间
2026/08/03
钱包支付
更新时间 2026/08/03
钱包支付
更新时间 2026/08/03
现金服务
更新时间 2026/08/03
AI 工具
更新时间 2026/08/03
AI 工具
更新时间 2026/08/03
钱包支付
更新时间 2026/08/03
AI 工具
更新时间 2026/08/03
线下支付
更新时间 2026/08/03
线上购物
更新时间 2026/08/03
钱包支付
更新时间 2026/08/03
订阅服务
更新时间 2026/08/03
钱包支付
更新时间 2026/08/03
查看这张卡片的编辑评测、结论和最近更新时间。
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这张卡片暂未发布评测;发布后会显示在这里。
经核实并发布的卡片变化记录,按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
Ether.fi offers a smooth and user-friendly experience. I like its simple interface, convenient payment features, and innovative approach to crypto payments. Overall, it looks promising and has great potential for everyday use. Looking forward to seeing more improvements and features in the future!
Scammers scammers scammers !!! I pay for a debit card , I was using ether.fi for months everyday with no reason they block my money , all my money stay there and I can't take it off ! Because they lie saying they are non custodial! They are custodial !!! and Hold the key of the wallet !! We can't Hold the KEY !!! Stay away
Real world crypto to everyday spending.
Es la mejor tarjeta virtual en DEFI, muy fácil de usar, rápida y da buenos Apy sea de ganancia que de préstamo.
I had an account on ether.fi and requested the cancellation of my account and card. However, two purchases I made on TEMU were refunded, and the refunds were credited to my ether.fi card. I opened a chat and have been waiting for a response for several days, but they always ask me to wait and say they are monitoring it. I have already sent the refund receipt provided by TEMU, as well as the ARN numbers for both refunds. Now, speaking as a layman, I don't understand why it's so difficult to track the money using the ARN. I don't understand the reason for the delay. I have been waiting for a concrete answer for more than 10 days. Before opening the ticket, I tried to recover the account within 14 days, but it was not possible to access it. I created a new account using the same email as the old account, but the account started as new, without recovering the data from the old account. Can you help me recover the money? Thank you for your attention. Sincerely
I like etherfi's workability on self-custodial fund & its earn services. I can see etherfi upgrading itself reasonably. The new features like downloadable statements, AI spending integration, and the @name tagging system significantly improve the utility of etherfi services, making my finance's management much more efficient. I got virtual cards before those update, now I have to get new ones direct in the application page or inside the app. Overall it's really nice to use etherfi services.
is a very good option to use the transfers from the crypto world
Worst company. Used their services for a year and one day just was logged out from my account. All cars were disabled. Tried to log in again and get message “there is no account with such email”. I didn’t even get any message from them. Support answers nothing, just “we escalate this issue” and pretend that there wasn’t any account. So I don’t even understand what happened. Seems to be that they just banned my account, disabled all cards and stole all money that were on account. There was quite big amount and they stole all of them. NEVER use this service. It may be okay for month, but one day be sure, they lock your account and steal all your funds without any message, pretending that’s they don’t understand
Hi Jaroslav, Ether.fi is a non-custodial platform, and as such, we don't have the ability to freeze your assets, or control or access your funds directly. Your account was restricted from receiving cashback on our platform due to fraudulent purchase and referral activity on your account. You then subsequently and separately lost access to both your passkeys and the original email that your account was registered under. Although our team attempted to assist you, if you lose access to your passkeys and your account email, since we are a non-custodial platform, the only thing we can offer you in that situation is to follow our vault recovery process, which you declined to do. Regards, Henry Hayes Chief Customer Officer
I've been using the ether.fi card and the cashback rate is really high, which is the main thing I love about it. The app is also nicely designed and feels very comfortable to use. Overall a great experience so far.
It’s a bit confusing a first but its easy to understand it. Verification it’s simple. Purchases do go through.
更新时间:2026/07/19
暂无风险因素
以下回答整理自本页已发布的卡片记录。
我们记录的 Ether.fi Cash Card 认证要求为:完整 KYC。证件和审核细节见本页「KYC 要求」。
Apple Pay:支持;Google Pay:支持。
我们记录到 Ether.fi Cash Card 支持:USDT、USDC、ETH、USD和EETH。
Ether.fi Cash Card 提供:虚拟卡+实体卡和虚拟卡+金属卡。
我们记录到 75 个国家或地区可用、40 个受限。逐个国家的状态见本页「地区和语言支持」。
Ether.fi Cash Card 由 Ether.fi 运营,卡组织为 Visa。