Mercuryo Spend Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Mercuryo Spend 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	Free (with fair usage)	Free (all tiers)
Issuance Fee	Free	See card_tiers
Rewards
Max Cashback	—	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	Maintains self-custody of crypto assets until point of transaction Supports 40 cryptocurrencies across multiple blockchains (standard version) Seamless integration with Apple Pay and Google Pay No issuance or monthly fees under fair usage conditions	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 to European Economic Area residents only No physical card option available for consumers €1/month inactivity fee after 3 consecutive months of no use 1% foreign exchange fee for non-EUR spending	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