Swissquote Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Swissquote 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	See card_tiers	Free (all tiers)
Issuance Fee	See card_tiers	See card_tiers
Rewards
Max Cashback	0.25% - 1% trading credits depending on tier and transaction type; Elite also offers 0.5% gold 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	Seamless integration of traditional banking and cryptocurrency functionality across all tiers Swiss banking infrastructure with FINMA regulation provides strong security foundation Multi-currency support with approximately 29 currencies under a single IBAN Higher rewards for crypto payments (up to 1% trading credit)	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	Not available to US or Canadian residents Elite tier restricted to Swiss residents only Monthly fees for Bright (CHF 6.90) and Elite (CHF 39) tiers Elite tier requires minimum CHF 100,000 in total assets	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