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ether.fi Cash Card vs Krak Card

ether.fi Cash Card scores higher on the G2M score: 80/100 against 60/100 (#2 and #18 of 26 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee, more countries and control of your funds.

ether.fi Cash Card80

#2 of 26 · 3% to 4% back · annual fee Not published

Get ether.fiRead the review
Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead the review

The short answer

  • ether.fi Cash Card scores higher on the G2M score: 80/100 against 60/100 (#2 and #18 of 26 cards).
  • ether.fi Cash Card pays 3% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 4% on ether.fi Cash Card and 2% on Krak Card.
  • Krak Card has no annual fee; ether.fi Cash Card does not publish its annual fee.
  • ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1%.
  • ether.fi Cash Card is confirmed in more countries: 91 against 32. Of the markets we check for every card, only ether.fi Cash Card is confirmed in UAE.
  • ether.fi Cash Card is self-custodial; Krak Card is 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

Detail
ether.fi Cash Card
Krak Card
G2M score
80 (better)
60
Base cashback
3%
Not published
Max cashback
4% (better)
2%
Paid in
ETHFI
Not published
Annual fee
Not published
Free
FX fee
0.5% (better)
1%
Top-up fee
0%
0%
Per-purchase fee
None listed
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
Supported; fees not published
Network
Visa
Visa / Mastercard
Card type
Credit
Debit
Custody
Self-custodial
Custodial
Formats
virtual, physical
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
No
United States
Yes
Yes
United Kingdom
Yes
Yes
EU / EEA
Yes
Yes
Countries
91
32
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
27 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
No
Yield on your balance
Yes
Yes
Tiers
Core · Luxe · Pinnacle · VIP
Krak Card
Perks
Airport lounge access on every tier · Visa Signature benefits · Airport lounge benefit · Visa concierge · Purchase and price protection
—

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 Krak Card?

ether.fi Cash Card scores higher on the G2M score: 80/100 against 60/100 (#2 and #18 of 26 cards). ether.fi Cash Card also comes out ahead on cashback, a lower FX fee, more countries and control of your funds. 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 Krak Card?

Krak Card has no annual fee; ether.fi Cash Card does not publish its annual fee. ether.fi Cash Card charges less on foreign currency: a 0.5% FX fee against 1%.

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

ether.fi Cash Card pays 3% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 4% on ether.fi Cash Card and 2% on Krak Card.

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

ether.fi Cash Card is confirmed in more countries: 91 against 32. Of the markets we check for every card, only ether.fi Cash Card is confirmed in UAE.

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

ether.fi Cash Card is self-custodial; Krak Card is 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.