Crypto.com Cardvsether.fi Cash - Cash Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric |  Comenity Capital Bank 7.0/10 Get card |  Third National Bank 7.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 7.0/10 | Best 7.6/10 |
| Costs | ||
| Annual fee | None | None |
| FX fee | 0% | 0% |
| Crypto top-up | 0% | 0% |
| Issuance fee | Free | Free |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | Best Up to 6% cashback | 3% cashback |
| Payout token | CRO | ETHFI |
| Staking | CRO lockup ($500 for Plus 2%, $5,000 for Pro 3%, $50k+ for Icy/Obsidian) or monthly subscription | $0 |
| Perks | Apple & Google Pay · Airport Lounges · Metal Card | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Countries | 22 (38 countries (US, Canada, UK, EEA, SG, AU, Brazil)) | Best 25 (85+ countries (Global)) |
| Max daily spend | $25,000 | $25,000 |
| Monthly ATM limit | Best $10,000 | $750 |
| Mobile wallets | Best Apple Google Samsung | Apple Google |
| Networks | Best Cronos, Ethereum, Bitcoin, Solana +3 | Ethereum, Arbitrum, Base |
| Top-up tokens | Best USDC, USDT, BTC, ETH, SOL | USDC, ETH, USDT |
| Issuer | Comenity Capital Bank | Third National Bank |
| Network | Visa | Visa |
The quick verdict
Crypto.com Card pays the highest headline cashback at 6%, but check the staking requirement: cro lockup ($500 for plus 2%, $5,000 for pro 3%, $50k+ for icy/obsidian) or monthly subscription.
Crypto.com Card is the cheaper travel card at 0% FX, while Crypto.com Card wins on annual cost at $0.
Both cards are available in 22 and 25 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- Premium physical metal cards across tiers
- Up to 6% CRO cashback plus LoungeKey/Priority Pass
- 3% base cashback from Day 1 with no staking required on Core
- Borrow against yield-bearing restaked ETH/USDC vaults
Crypto.com Card vs ether.fi Cash - Cash Card — FAQ
Which is better, Crypto.com Card or ether.fi Cash - Cash Card?+
ether.fi Cash - Cash Card has the higher editor score. Crypto.com Card pays Up to 6% cashback with 0% FX, while ether.fi Cash - Cash Card pays 3% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Crypto.com Card or ether.fi Cash - Cash Card?+
Crypto.com Card has a no annual fee annual fee, 0% top-up fee and 0% FX. ether.fi Cash - Cash Card has a no annual fee annual fee, 0% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Crypto.com Card and ether.fi Cash - Cash Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.