Crypto cards have surged in popularity recently, with Ether.fi—the leading ETH restaking platform—launching its Ufi card. After thorough testing, we evaluate this card's suitability for both individual and enterprise use, focusing on five key aspects: cashback, yield generation, payment flexibility, security, and corporate functionality.
Cashback Mechanism
The Ether.fi Cash card offers tiered cashback rewards:
- Core users: 2%
- Luxe/Pinnacle users: 3%
During promotional periods, users can earn up to 5% total cashback:
- 3% returned post-purchase
- 2% distributed as ETHFI tokens
All instant rebates are settled in SCR tokens (Scroll network’s native currency) and credited automatically after each transaction—no monthly spending thresholds or category restrictions apply. Additional perks:
- Earn 1% extra via referral programs
- Supports Apple Pay/Google Pay for seamless mobile payments
Yield-Generation Features
Integrated with Ether.fi’s Liquid Vaults, the card allows users to earn yields without transferring assets elsewhere. Current APR rates:
| Vault | Base APR | +ETHFI Incentives |
|---|---|---|
| Liquid USD | 9.8% | ~7% |
| Liquid ETH | 7.2% | ~7% |
| Liquid BTC | 7.2% | ~7% |
Key highlights:
- Real-time tracking of asset allocations (e.g., 28.2% to Aave V3)
- Transparent fee structures and contract addresses
- Ongoing "Mint, Spend, Earn" campaign with 600K ETHFI rewards
Payment Options
Choose between two modes:
- Borrowing Mode: Stake eETH/eUSD to spend; 0% interest during promotions (no gas fees).
- Preload Mode: Deposit USDC/weETH/etc. into vaults; funds auto-convert to USDC at checkout.
👉 Maximize your crypto spending potential
Note: Foreign currency transactions incur ~0.98% FX fees. All transactions update vault balances instantly.
Security Protocols
- Fully on-chain operations via smart contracts
- Self-custodied assets with transparent transaction logs
- Rigorous KYC during onboarding (regional restrictions apply)
Enterprise Solutions
Ideal for teams/DAOs:
- Multi-role access: Owners, managers, employees
- Spending controls: Set limits, freeze cards, generate expense reports
- Fund isolation: Members access only allocated budgets
FAQs
Q: How do I upgrade my cashback tier?
A: Hold more eETH/eUSD to qualify for Luxe/Pinnacle status.
Q: Can I use the card without staking?
A: Yes—opt for preload mode with supported tokens.
Q: Are there annual fees?
A: None currently.
Q: Which countries support the Cash card?
A: Check Ether.fi’s official updates for regional availability.
Final Verdict
The Ether.fi Cash card bridges everyday spending with DeFi efficiency, offering:
- Competitive cashback/yields
- Flexible payment methods
- Enterprise-grade financial controls
👉 Explore crypto-card innovations today
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