ether.fi Cash vs Ethena Pay
ether.fi Cash scores 13/16, Ethena Pay scores 10/16 on the CBL Card Score. Here is every criterion side by side.
 ether.fi Cash |  Ethena Pay | |
|---|---|---|
| Custody | 2 of 2 | 2 of 2 |
| Issuer and licence | 1 of 2 | 1 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 2 of 2 | 2 of 2 |
| Total | 13 | 10 |
The short verdict: ether.fi Cash leads overall (13 to 10). Self-custodial, about 1% to 1.5% on Core FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| ether.fi Cash | 3% on the first $2,000 of monthly spend at Core, then 1% to $3,000 and 0.5% above; Luxe 3% to $10,000 and Pinnacle 3% to $50,000, stepping down the same way; VIP 4% on the first $50,000. Paid in ETHFI with a 7-day lock, $5 minimum to claim (official). The overall $1,000 monthly cap reported by cardpilled appears on no official page; the programme terms let ether.fi cap monthly rewards at its discretion. |
| Ethena Pay | Paid in AVAX once daily after settlement, by monthly spend band. Standard 4% on the first $2,500, 1% to $4,000, nothing above. Pro 4.5% on the first $8,000, 2% to $10,000, 1% to $12,000, 0.5% above. VIP 5% on the first $20,000, 2% to $30,000, 1% to $40,000, 0.5% above. Minimum qualifying transaction $1; reversed on refunds or chargebacks (official, pricing page, updated 30 Sep 2026; FAQ). |
Cashback is shown as a dated fact and never scored.