Ether.Fi Cash Card vs Spritz Card

Side-by-side comparison of 2 crypto debit cards

	Ether.Fi Cash Card 4.5/5 self_custodialvisa	Spritz Card 3.5/5 self_custodialvisa
Rating
Overall	4.5/5	3.5/5
Fees
Monthly Fee	Free (all tiers)	None
Issuance Fee	See card_tiers	Free
Rewards
Max Cashback	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend	Limited details available; cashback on travel and dining announced for physical card launch
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	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	No token staking required for premium benefits Extensive cryptocurrency support beyond typical competitors No foreign exchange fees (0%) for international transactions Competitive 1% base conversion fee (with some network/token surcharges)
Cons	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higher monthly spending	Card-specific cashback rewards still rolling out (limited details available) Funds cannot be withdrawn once loaded to the card Currently available in only 33 US states (expansion ongoing) Minimum $2 fee per card load