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 | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | BTC via in-app conversion | Direct BTC top-up (on-chain) |
| Lightning funding | balance only, not the card | no |
| BTC sale timing | You sell manually in the app | Not documented |
| Fees | ||
| Top-up fee | 0% | 0% |
| FX fee | 3% | 1% |
| Monthly fee | none | none |
| ATM fee | 0% | ATM withdrawals supported in most regions: $1,000 per transaction, max 5 per rolling 24h ($5,000/day); 'standard ATM and network fees may apply' - no operator ATM fee % published. ATM use blocked for FATF-blacklist countries (North Korea, Iran, Myanmar). |
| Cashback | none | 3% in ETHFI |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | $5,000 (5 x $1,000 per rolling 24h) |
| Max load | not documented | Borrowing capacity limited by portfolio value/collateral terms |
| Availability | ||
| Regions | US, UK | US, UK, EEA, APAC, LATAM |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | yes | no / unknown |
Pick Cash App Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
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.
More head-to-heads
FAQ
Which is better for privacy, Cash App Card or ether.fi Cash?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify