Ledger CL Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Ledger CL Card 3.0/5 self_custodialvisa	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	None	Free (all tiers)
Issuance Fee	Free (€0.00)	See card_tiers
Rewards
Max Cashback	1% in BTC/USDC (US) or BTC/USDT (other countries); 2% in BXX token	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	Self-custody until card top-up, providing enhanced security Seamless integration with Ledger's hardware wallet ecosystem Competitive 1-2% cashback rates without staking requirements No monthly fees with simple single-tier system	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	High combined fees (1.75% conversion + 2% card spend = 3.75% total) significantly erode cashback benefits Limited to EEA, UK, US (excluding NY and VT), Canada, Switzerland, Colombia, Mexico, and Brazil Must pre-fund card before spending (debit card model) Some pre-authorization transactions may be unsupported; standing orders not supported	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