Black Cat Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Black Cat Card 3.0/5 self_custodialmastercard	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	Free for one card; €2/month for additional cards	Free (all tiers)
Issuance Fee	Free (first physical card)	See card_tiers
Rewards
Max Cashback	0.5% general (requires €50/month spend), up to 5% on Google Play, 2% on Amazon, 3% at bm.market, up to 7% via Cashback Wheel promo	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
Features
Apple Pay	No	Yes
Google Pay	No	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No monthly fees or token staking requirements for the standard account Generous rewards (up to 4% interest or various cashback options up to 7%) Free IBAN account with 5 free SEPA transfers monthly Seamless integration between crypto and traditional banking	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
Cons	Limited cryptocurrency support (BTC, ETH, USDT, USDC only) Physical card requires EEA address proof for issuance eligibility History of regulatory issues and service disruptions 3% foreign exchange fee for non-EUR transactions (except SEK, CZK, PLN, RON)	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending