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Rewards calculator

What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.

Where you live

Monthly card spend (USD)What you spend on the card each month

Currency split 80% in your own currency · 10% in US dollars online · 10% in other currencies Edit currency split

Your own currency80%Shops and bills at home. The rest of your spending.

US dollars online (%)Subscriptions and US shops

Travel and other currencies (%)Pays the card’s usual FX fee

Purchase sizes

20% of your spending in each of $200, $100, $50, $25 and $10 purchases

Count rewards at

Card

Which year

Year 2 onwards: yearly fees and ongoing rates only, no one-off fees or welcome offers.

Card 1

Card 2

Compare tiers across up to 3 cards

Tiers to compare

Tiers of ether.fi Cash Card and Krak Card side by side
Card · tier	Rewards / yr	Plan and card fees / yr	FX cost / yr	Purchase fees / yr	You keep / yr	Notes
ether.fi Cash CardVIPBestFreeOr stake ~$330,599	$480	$0	$0	$0	$480	Or hold 500,000 ETHFI (~$330,599)
ether.fi Cash CardCoreFree	$360	$0	−$6.00	$0	$354	Free for everyone
Krak CardKrak CardFree	$240	$0	−$12.00	$0	$228	Rate shown is the EEA/UK maximum
ether.fi Cash CardLuxe$199 a yearOr stake ~$19,836	$360	−$199	−$3.00	$0	$158	Or hold 30,000 ETHFI (~$19,836)
ether.fi Cash CardPinnacle$999 a yearOr stake ~$99,180	$360	−$999	$0	$0	−$639	Or hold 150,000 ETHFI (~$99,180)

Which one pays off at your spend

The best of the tiers shown at each monthly spend
Monthly spend	Best tier	You keep / yr
$250	ether.fi VIP	$120
$500	ether.fi VIP	$240
$1,000	ether.fi VIP	$480
$2,000	ether.fi VIP	$960
$3,000	ether.fi VIP	$1,440
$5,000	ether.fi VIP	$2,400
$10,000	ether.fi VIP	$4,800

ether.fi Cash Card

Luxe ($199/yr) beats Core (free) once you spend $2,795 a month. Or hold 30,000 ETHFI (~$19,836).
Pinnacle ($999/yr) beats Luxe ($199/yr) once you spend $13,169 a month. Or hold 150,000 ETHFI (~$99,180).
VIP (free) keeps you more than Pinnacle ($999/yr) at any spend. Or hold 500,000 ETHFI (~$330,599).

Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify

Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.