Pera Card (Algorand) vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Pera Card (Algorand) self_custodialmastercard	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	—	4.5/5
Fees
Monthly Fee	None	Free (all tiers)
Issuance Fee	Free	See card_tiers
Rewards
Max Cashback	2.01%	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	True non-custodial design - users maintain complete control of their funds through smart contracts Low fees - no monthly maintenance or purchase transaction fees Smart contract-based settlement with user-controlled deposits and withdrawals No minimum balance requirements or staking needed	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	BETA status - no official general release date announced Virtual card only - no physical card option available Limited cryptocurrency support - only USDCa supported No ATM withdrawals - cannot be used for cash access	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