UGLYCASH Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	UGLYCASH 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	$0 (Free tier) / $20/month (Ridiculously Exclusive)	Free (all tiers)
Issuance Fee	Free (virtual card)	See card_tiers
Rewards
Max Cashback	24%	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	Base 1% cashback with no caps on free tier; optional 2-4% cashback for premium members High-yield savings up to 8% APY on USD balances Comprehensive global banking features (U.S. account, European virtual account, Mexican virtual account) Strong regulatory compliance with FinCEN MSB, state money transmission, and international licenses	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	No FDIC insurance explicitly confirmed on stablecoin balances (eUSD) Physical card still in development (invite-only access) Premium tier has $2,000 monthly cashback cap before reverting to 1% Limited to personal accounts only, no business banking	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