Stella Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Stella 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	—	Free (all tiers)
Issuance Fee	Virtual card: Pay-as-you-go fee (disclosed in-app); Physical card: Delivery fee waived after topping up USD 20,000	See card_tiers
Rewards
Max Cashback	None	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	No annual fees or maintenance charges Free crypto deposits (Stella charges 0%; users only pay blockchain network gas fees) Seamless automatic conversion from crypto to USD at interbank exchange rates Wide acceptance through the Visa network (40M+ merchants)	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 cryptocurrency support compared to some competitors (only BTC, ETH, USDT, USDC for base card) ATM withdrawal fees and free-withdrawal allowances only disclosed in-app Lack of ongoing cashback or rewards program Most fees only disclosed after app registration	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