Ether.fi Card
Ether.fi Card is a non-custodial crypto credit card (visa) issued on Visa, rated 6.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Ether.fi Card is the strongest fit for ad spend and app store / play, and asks for ID + proof at signup — we carry it at medium (puerto rico money transmitter; collateral liquidation risk) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Ether.fi Card · Non-custodial crypto credit card (Visa) |
| Official site | https://www.ether.fi |
| Best for | Ad spend · App Store / Play |
| Network | Visa |
| Rating | 6.2/10 (3.0★, 817 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual); $40 refundable deposit (physical) |
| Monthly / annual fee | $0 (no annual fee) |
| Minimum deposit | No minimum (Core tier $2,000/mo spend cap) |
| FX / conversion fee | 0% USD/EUR; 1% other currencies |
Verification and risk
| KYC required | Yes (standard ID + liveness selfie + phone) |
| Risk level | Medium ··· |
| AVS check | Yes |
| 3-D Secure | Yes (Visa 3DS, Visa Signature) |
Funding and limits
| Crypto top-up | Yes (USDC, USDT, wETH, weETH, eBTC, eUSD, etc.) |
| Bank transfer | Yes (ACH/Direct Pay, crypto on-chain) |
| Alipay / WeChat Pay | No |
| Cards per account | 1 Core, 4 Luxe, 10 Pinnacle (virtual) |
Billing
| Billing address | Residential |
| Billing country | US (30 states+DC), EU, UK, HK, UAE, Singapore, LATAM + more |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (Apple Pay/Google Pay) |
| Meta / Google Ads | Yes (general online spend) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 424344 | Visa | United States | Credit | 320 | 227 | 70.9% |
We logged 227 cleared charges out of 320 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Ether.fi Card cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $0 (no annual fee); conversion is priced at 0% USD/EUR; 1% other currencies; you need No minimum (Core tier $2,000/mo spend cap) to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Ether.fi Card?
Ether.fi Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (standard ID + liveness selfie + phone)
How can I fund Ether.fi Card?
You can fund it with crypto (USDC, USDT, wETH, weETH, eBTC, eUSD, etc.), bank transfer (ACH/Direct Pay, crypto on-chain). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Ether.fi Card need?
Setting it up: the billing address type is Residential; cards are issued against US (30 states+DC), EU, UK, HK, UAE, Singapore, LATAM + more; an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Ether.fi Card work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Ether.fi Card trigger 3-D Secure?
Yes. Ether.fi Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Ether.fi Card?
The issuer allows 1 Core, 4 Luxe, 10 Pinnacle (virtual). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.