Cash App Card vs ether.fi Cash
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Cash App Card wins overall (7/10 vs 6.4/10). The right pick still depends on your priority - see the flow comparison below.
 Cash App Card |  ether.fi Cash | |
|---|---|---|
| Overall score | 7 | 6.4 |
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Top-up fee | 0% | 0% |
| FX fee | 3% | 1% |
| Monthly fee | none | none |
| Cashback | none | 3% in ETHFI |
| Regions | US, UK | US, UK, EEA, APAC, LATAM |
Pick Cash App Card if
- Lightning top-up support
Pick ether.fi Cash if
- Known fee stack (3.0 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (3% vs 0)
- Wider documented availability
Cash App Card
The most mainstream way to hold BTC next to a Visa debit - but the card itself never touches bitcoin: every spend requires selling first, which is a taxable event per transaction. Use it for the Boosts and the frictionless BTC auto-investing, not for crypto-native spending.
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.