FNT Crypto Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	FNT Crypto Card 2.5/5 self_custodialmastercard	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	€15/month (verify in app/ordering flow)	Free (all tiers)
Issuance Fee	€32 (Physical) / €10 (Virtual) - reduced by tier discounts (10-40%)	See card_tiers
Rewards
Max Cashback	Tier-based cashback benefits referenced in official materials (availability and rates unclear)	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero transaction fees on purchases and no FX markups in native currency Tiered membership system offering substantial discounts (up to 40%) Support for multiple blockchain networks provides flexibility and potential fee savings Seamless Telegram integration simplifies the user experience	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	2% top-up fee represents the main cost of using the service Monthly (€15) or annual (€150) maintenance fees may apply Geographic availability currently limited to Europe for physical cards Benefits heavily tied to FNTIO token holdings	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