Head to head
Coinbase Card vs Ether.fi Card
You fund mainly from stablecoins and you want to know whether the exchange card is costing you anything for that.
What the difference costs you
The same two fee tables, turned into money. Useful if you load funds more than a few times a year.
- Load $1,000 onto each card. Coinbase Card charges $24.9 to load it, against Ether.fi Card charges nothing to load it. That is $24.9 more on every single top-up.
Where the two actually differ
- Coinbase Card returns more cashback on spending, up to 4%.
- Ether.fi Card charges less to load funds onto the card. If you add money regularly, that difference applies far more often than the annual fee does.
- If you use ATMs, Ether.fi Card has the higher cash withdrawal limit: $10,000 per month against $1,000 per day for Coinbase Card.
- Ether.fi Card excludes fewer countries, so it is the one more likely to work in a second market.
- Coinbase Card accepts more assets directly, listed on its card page, which decides whether you have to convert before you spend.
Every line above is generated from the fields in the table below, so none of it is an opinion. Where a value is missing from the provider dataset, the difference is reported as unknown rather than as a win.
Coinbase Card fees vs Ether.fi Card fees, side by side
The crypto card fees, limits and verification rules both providers publish, on the same rows. A dash means the dataset holds no value for that field rather than that the value is zero.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Coinbase Card | Visa | Virtual, Physical | Required | Free | Free | 2.49% | 0.5-4% | $1,000 · daily | Apple Pay, Google Pay | Yes |
| Ether.fi Card | Visa | Virtual, Physical | Required | Free | Free | Free | 2-3% | $10,000 | Apple Pay, Google Pay | Yes |
Fee, limit and KYC data was last updated 2026-10-02.
Which one you should pick
Each line below is a case where that card beats the other one on a field both providers publish. Nothing here is an overall score.
Choose Coinbase Card if
- cashback is higher at 4% against 3%
- you want to spend without converting first, and it accepts 10 assets directly against 4
Coinbase Card is a physical and virtual card on the visa network. It has no annual fee. It pays 0.5-4% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region. Annual fee Free, top-up 2.49%, cashback 0.5-4%.
What Coinbase Card costs you
- 2.49% top-up fee
- Identity verification required
Choose Ether.fi Card if
- loading funds is free, against 2.49% on Coinbase Card
- you take money out at ATMs, with a $10,000 per month limit against $1,000 per day
- you travel, and it excludes fewer countries than the other card does
Ether.fi Card is a physical and virtual card on the visa network. It has no annual fee. It pays 2-3% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region. Annual fee Free, top-up Free, cashback 2-3%.
What Ether.fi Card costs you
- Identity verification required
Questions about Coinbase Card and Ether.fi Card
Answered from the same provider dataset as the table above. A question is left out rather than answered with “not published”.
- Which is cheaper, Coinbase Card or Ether.fi Card?
- Coinbase Card and Ether.fi Card both cost Free a year. The difference between them is in the fees that apply per transaction.
- Does Coinbase Card or Ether.fi Card require identity verification?
- Coinbase Card requires identity verification and Ether.fi Card requires identity verification.
- Can I use Coinbase Card and Ether.fi Card in the United States?
- Coinbase Card lists the United States as a supported region and Ether.fi Card lists the United States as a supported region.
- Which has the cheaper top-up fee, Coinbase Card or Ether.fi Card?
- Ether.fi Card charges Free to load funds, against 2.49% for Coinbase Card.
- Which of Coinbase Card and Ether.fi Card pays cashback?
- Coinbase Card pays the most, up to 4%, against 3% for Ether.fi Card.
- Can I get a physical card from Coinbase Card or Ether.fi Card?
- Coinbase Card issues physical and virtual cards and Ether.fi Card issues physical and virtual cards.
- Does Coinbase Card or Ether.fi Card work with Apple Pay and Google Pay?
- Coinbase Card supports Apple Pay and Google Pay and Ether.fi Card supports Apple Pay and Google Pay.
- Which has the higher ATM withdrawal limit, Coinbase Card or Ether.fi Card?
- Ether.fi Card releases more cash, $10,000 per month, against $1,000 per day for Coinbase Card.
- Which cryptocurrencies can I spend from Coinbase Card and Ether.fi Card?
- Coinbase Card accepts 10 directly (BTC, ETH, USDT, USDC, DOGE, DAI, XLM, LINK, UNI, AAVE) and Ether.fi Card accepts 4 (ETH, USDC, USDT, EETH), so an asset one of them does not list has to be converted before you spend it.
- Which card network do Coinbase Card and Ether.fi Card run on?
- Coinbase Card runs on visa and Ether.fi Card on visa.
Other options you are weighing
Available in the country you are browsing from.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
Both cards are described from the provider dataset bit.pizza maintains, last updated 2026-10-02. Providers change their own fees and terms, so confirm anything you rely on with them directly.