Ledger CL 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 ether.fi Cash wins overall (6.4/10 vs null/10). The right pick still depends on your priority - see the flow comparison below.
 Ledger CL Card |  ether.fi Cash | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | BTC sold per transaction | Not documented |
| Fees | ||
| Top-up fee | not documented | 0% |
| FX fee | not documented | 1% |
| Monthly fee | not documented | none |
| ATM fee | not documented | 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 | 1% in BTC | 3% in ETHFI |
| Privacy & custody | ||
| KYC | Full KYC | Full KYC |
| Custody | Hybrid | 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 | UK, EEA, US | US, UK, EEA, APAC, LATAM |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Physical + virtual |
| Apple Pay | no / unknown | no / unknown |
Pick Ledger CL Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
Pick ether.fi Cash if
- Higher documented cashback (3% vs 1)
- Wider documented availability
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
Ledger CL Card vs Bitso CardLedger CL Card vs Blink CardLedger CL Card vs Bybit EU CardLedger CL Card vs Crypto.com Credit CardLedger CL Card vs FreedomiaLedger CL Card vs Bybit Card
Compare any cards
FAQ
Which is better for privacy, Ledger CL Card or ether.fi Cash?
Ledger CL Card requires Full KYC, while ether.fi Cash requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Ledger CL Card: BTC sold per transaction. ether.fi Cash: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.
Facts checked 2026-10-05 · How we verify