Simple.app Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Simple.app Card 3.5/5 self_custodialmastercard	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.5/5	4.5/5
Fees
Monthly Fee	€0	Free (all tiers)
Issuance Fee	€0	See card_tiers
Rewards
Max Cashback	Cashback rewards available but specific rate not publicly disclosed as of April 2025	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 monthly and issuance fees for all users No staking requirements to access the card High transaction limits (€15,000 daily) Integrated IBAN account with full SEPA capabilities (Custodial)	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	Custodial EUR card limited to European Economic Area residents only 2.5% fee on international (non-EEA) transactions Physical card not yet available (only virtual currently) E-money account not protected by deposit guarantee schemes	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