xPortal Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	xPortal Card 3.0/5 self_custodialmastercard	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	See card_tiers	Free (all tiers)
Issuance Fee	See card_tiers	See card_tiers
Rewards
Max Cashback	5%	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 approach for crypto assets (user controls private keys) Integration with broader MultiversX ecosystem (staking, DeFi, NFTs) No monthly fees for base tier (Fresh Mint) Competitive cashback rates at higher staking levels (up to 5% planned)	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 geographic availability (EEA only) Minimal to no rewards without significant token staking ~1% crypto-to-fiat conversion fee plus FX fees on transactions Premium tiers with best benefits not yet launched	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