[ head to head ]

ether.fi Cash Card vs Hyperbeat Pay Card

ether.fi Cash Card scores higher on the G2M score: 90/100 against 22/100 (#1 and #36 of 36 cards). ether.fi Cash Card also comes out ahead on cashback and more countries.

ether.fi Cash Card90

#1 of 36 · 3% to 4% back · annual fee none

Get ether.fi Read the review

Hyperbeat Pay Card22

#36 of 36 · 0.2% to 12% back · annual fee Not published

Get Hyperbeat Read the review

The short answer

ether.fi Cash Card scores higher on the G2M score: 90/100 against 22/100 (#1 and #36 of 36 cards).
ether.fi Cash Card pays more cashback on its entry tier: 3% against 0.2%. Higher tiers go up to 4% on ether.fi Cash Card and 12% on Hyperbeat Pay Card.
ether.fi Cash Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee.
ether.fi Cash Card charges 0.5% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.
ether.fi Cash Card lists 91 countries where it works; Hyperbeat Pay Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only ether.fi Cash Card is confirmed in United Kingdom, EU / EEA and UAE.
Both are non-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

ether.fi Cash Card

Hyperbeat Pay Card

G2M score

Base cashback

0.2%

Max cashback

12%

Paid in

ETHFI

WHYPE

Annual fee

Free

Not published

FX fee

0.5%

Not published

Top-up fee

Not published

Per-purchase fee

None listed

ATM

Free: 10 a month on Core and Luxe, unlimited on Pinnacle and VIP. Up to $5,000 per withdrawal, 5 a day

Not published

Network

Visa

Card type

Credit

Varies by region

Custody

Non-custodial

Sign-up bonus (G2M link)

3% cashback on all purchases, from your first purchase (the same rate as the free Core tier)

None published

No ID check

ID needed or not stated

Formats

virtual, physical

virtual

Apple / Google Pay

Yes / Yes

? / ?

India

Unclear

UAE

Yes

Unclear

United States

Yes

United Kingdom

Yes

Unclear

EU / EEA

Yes

Unclear

Countries

Worldwide except sanctioned countries (Cuba, Iran, North Korea, Sudan, Syria) and Ontario, Canada; US residents under a separate US card agreement; no full country list

Bank account (IBAN or account number)

In your name

Not confirmed

Send money to a bank account

27 currencies

Not confirmed

Buy and sell crypto with fiat

Buy and sell

Spend against crypto without selling

Yes

Yield on your balance

Yes

Tiers

Core · Luxe · Pinnacle · VIP

Everyday · All boosters · Trader $1M · Trader $5M

Perks

Airport lounge access on every tier · Visa Signature benefits · Airport lounge benefit · Visa concierge · Purchase and price protection

Credit Mode: spend against BTC, ETH, SOL or HYPE without selling · Savings, trading and card in one non-custodial account · Virtual card now, physical card waitlist · Four boosters add 0.2% each: hold $1,000 or $10,000, spend $1,000 or $10,000 in 30 days

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, ether.fi Cash Card or Hyperbeat Pay Card?

ether.fi Cash Card scores higher on the G2M score: 90/100 against 22/100 (#1 and #36 of 36 cards). ether.fi Cash Card also comes out ahead on cashback and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, ether.fi Cash Card or Hyperbeat Pay Card?

ether.fi Cash Card has no annual fee; Hyperbeat Pay Card does not publish its annual fee. ether.fi Cash Card charges 0.5% on foreign currency; Hyperbeat Pay Card does not publish its FX fee.

Which pays more cashback, ether.fi Cash Card or Hyperbeat Pay Card?

ether.fi Cash Card pays more cashback on its entry tier: 3% against 0.2%. Higher tiers go up to 4% on ether.fi Cash Card and 12% on Hyperbeat Pay Card.

Which works in more countries, ether.fi Cash Card or Hyperbeat Pay Card?

ether.fi Cash Card lists 91 countries where it works; Hyperbeat Pay Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only ether.fi Cash Card is confirmed in United Kingdom, EU / EEA and UAE.

Who holds my funds with ether.fi Cash Card and Hyperbeat Pay Card?

Both are non-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.