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Card	EligibilityResidence & identity	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
ether.fi CashCore international virtual Apply now May earn commission Card 1	Supported international regions Residence/citizenship rules; US, CA and PR need separate confirmation. ether.fi Cash · Core international virtual Eligibility Supported international residences and eligible identity required The official list includes Hong Kong, Singapore, the UK, parts of Europe and other regions. Belgium and Ireland are eligible for Cash without physical delivery. Unlisted jurisdictions cannot currently apply. Residence, citizenship and compliance checks must satisfy the terms. The US program has separate agreements and is outside this entry. Canada appears in the help list but the terms exclude Canadian residents and citizens; obtain official confirmation first.	First card $0 / $10 Regional quote; extra cards $10. Check before ordering. ether.fi Cash · Core international virtual Issuance First virtual card $0 or $10 by region The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.	No monthly / annual fee Interest and transaction fees separate. ether.fi Cash · Core international virtual Monthly / annual Core has no membership monthly or annual fee Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.	No USD/EUR markup EUR beta; others ~1% + 0–0.5%, DCC separate. ether.fi Cash · Core international virtual Spending fees No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5% Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.	Up to 3% ETHFI First $2k/month standard or $800 equivalent EUR; 7-day lock, $5 claim. ether.fi Cash · Core international virtual Rewards Up to 3%, paid in ETHFI tokens Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.	Yes Apple Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Apple Pay Apple Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	Yes Google Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Google Pay Google Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	No Separate physical card needed Physical ATM access not included. ether.fi Cash · Core international virtual ATM withdrawals ATM access requires a separate physical card This virtual-card entry does not include physical-card cash access. Official guidance lists ATM use as a physical-card feature, with separate issuance and withdrawal terms.	Onchain costs; bank route fees ACH $0.50 + 0.1%; expand for other routes. ether.fi Cash · Core international virtual Funding fees Onchain network costs apply; bank funding is route-priced Check the supported asset, network, address and transaction quote; network, protocol or bridge costs are not assumed free. Where available: USD ACH $0.50 + 0.10%; USD Wire/SWIFT $20 + 0.10%; EUR SEPA to USDC €0.90 + 0.15%, or to EURC €0.90. Other fiat routes, minimums and availability are shown in the deposit flow; route prices are not interchangeable.	Virtual Visa Physical card ordered separately. ether.fi Cash · Core international virtual Card format Visa Signature virtual credit card For online payments and supported mobile wallets. A Core physical plastic card is a separate purchase; membership tier and card form are distinct.	USDC / USDT / EURC and more Set eligible asset priority; regional restrictions apply. ether.fi Cash · Core international virtual Payment assets Direct Pay can use USDC, USDT, EURC and other supported account assets Choose eligible assets and order at Portfolio → Set Spend Priority. Guidance also lists liquidUSD, liquidEUR, liquidReserve and frxUSD, but availability is regional. Liquid is unavailable to US/UK residents or citizens; Liquid Reserve belongs to a specific US program. Use only assets and deposit networks permitted for the account; insufficient balance does not guarantee a successful payment from another asset.	Default $5,000/day Account default $10k/day and month; adjustable, balance/collateral apply. ether.fi Cash · Core international virtual Spending / ATM limits Default card daily limit $5,000; account daily/monthly limits $10,000 each These are adjustable defaults, not guaranteed maximum credit. Card and account limits both apply and the first reached blocks spend. Review or change them in Cash card Spending limits and Vault → Settings; changes may have a security delay. Direct Pay also depends on available balance; Borrow Mode depends on collateral ratios, protocol and account conditions.	Personal onchain account Spending permissions; borrowing liquidation risk. ether.fi Cash · Core international virtual Who holds funds Assets stay in a personal onchain account with spending permissions Cash connects a non-custodial wallet and Direct Pay uses available assets. Borrow Mode collateral can be liquidated as prices fall or interest accrues. Third National issues the Visa card but does not provide the protocol loan; onchain assets are not insured bank deposits.	Signup → Add Card → Virtual After verification, check the regional quote. ether.fi Cash · Core international virtual Apply / activate Sign up with ether.fi → Cash / Cards → Add Card → Virtual Confirm residence eligibility and complete verification, then review the Core first-virtual-card quote in Add Card before confirming. Obtain the card details, select a spending mode, fund the account and set limits; optionally add a mobile wallet. A physical order is not required.	Balance spend / secured borrowing Immediate loan interest; USDC refunds do not repay debt. ether.fi Cash · Core international virtual Refunds / repayment Direct Pay spends the balance; Borrow Mode accrues variable interest Borrowing accrues compound interest immediately with no interest-free grace period; check the live account APY before borrowing. Repay voluntarily; no scheduled monthly minimum does not remove collateral requirements. Refunds usually take 3–7 business days and may take 30, return as USDC and reverse rewards. A Borrow Mode refund does not automatically repay debt: repay manually or interest continues.	Borrowing is not an interest-free credit line ether.fi Cash · Core international virtual Usage limits Borrowing is not an interest-free credit line Falling collateral value or accrued interest can reduce available credit and trigger liquidation; Direct Pay is available without borrowing.
RedotPayStandard virtual App application guide Card 2	Eligible countries unconfirmed See known restrictions in full terms RedotPay · Standard virtual Eligibility Age 18+; identity document and face verification Citizenship, residence and physical location are assessed separately. Mainland China and the US have nationality/service restrictions; Singapore residents cannot obtain cards. Other applicants still need in-app approval.	$10 once Non-refundable; not balance RedotPay · Standard virtual Issuance $10 one-time Issuance is not spendable balance and is non-refundable	No monthly / annual fee RedotPay · Standard virtual Monthly / annual No monthly, annual or account maintenance fee	1% crypto conversion Non-USD adds 1.2% RedotPay · Standard virtual Spending fees Crypto conversion 1%; non-USD purchases add 1.2% USD card only. USD purchases avoid the foreign-currency fee; crypto conversion still applies.	Points; no fixed cashback Redeem per in-app offers RedotPay · Standard virtual Rewards Spending points redeemable under in-app campaigns Points are not cash or a fixed cashback rate, cannot be transferred or withdrawn; earning and redemption rules are published in the app.	Yes Supported RedotPay · Standard virtual Apple Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	Yes Supported RedotPay · Standard virtual Google Pay Available for supported cards and devices Wallet-region and card-linking requirements apply	No Not supported RedotPay · Standard virtual ATM withdrawals No ATM access for this virtual card A separate physical card is required; Pro monthly includes neither free physical issuance nor an ATM allowance	0 platform fee on crypto deposits Network fee extra; other routes quoted separately RedotPay · Standard virtual Funding fees Crypto deposits: no RedotPay deposit fee Sender network fees apply. Other funding or purchase routes use their displayed quote, not the crypto-deposit fee.	Virtual card for online purchases and mobile wallets RedotPay · Standard virtual Card format Virtual card for online purchases and mobile wallets	USDT, USDC, BTC, ETH Verify network before deposit; meet coin minimums RedotPay · Standard virtual Payment assets USDT, USDC, BTC, ETH and other in-app supported assets Check asset, network, address and minimum in Deposit before sending. Minimums vary; net deposits below the threshold are not immediately credited.	Max $100,000/tx · $1,000,000/day Published ceilings; personal limits subject to KYC/risk RedotPay · Standard virtual Spending / ATM limits Purchase ceiling $100,000/transaction, $1,000,000/day Published USD card ceilings are not guaranteed personal limits; risk controls or user-set limits can be lower. Virtual cards have no ATM access.	Custody in RedotPay platform account Managed by platform; counterparty risks apply RedotPay · Standard virtual Who holds funds Assets are funded into a RedotPay custodian account The platform and custodians manage the balance, with counterparty and stablecoin risks. Separate on-chain vault programs are outside this listing.	Apply in RedotPay app Approval and funding required; issue fee depends on card type RedotPay · Standard virtual Apply / activate Register and verify → fund account → apply in Card Enter your real billing address in English; pay $10 for standard virtual or use the Pro waiver. Activation requires approval.	2–15 days after merchant refund Merchant may take over 30 days; issue fee not refunded RedotPay · Standard virtual Refunds / repayment Merchant initiates refund to your RedotPay account Merchant processing may take 30+ days; RedotPay credits within 2–15 days after receipt. Issuance fees remain non-refundable.	Small, declined and selected-merchant transactions can incur fees RedotPay · Standard virtual Usage limits Small, declined and selected-merchant transactions can incur fees Per card/month: first five purchases ≤$1 have no small-payment charge, then $0.20 each; first three declines are free, then $0.50 each. Selected merchants: first three exempt, then 1.5%, minimum $0.50.

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
ether.fi CashCore international virtual	—Issuance quote unconfirmed	$0	$0	—	Full fee terms ether.fi Cash · Core international virtual Core, existing USDC and Direct Pay. First-card fees depend on the regional quote; EUR beta terms are not projected for a full year. help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 Full fee terms →
RedotPayStandard virtual	$130	$120	$0	$10	Full fee terms RedotPay · Standard virtual USD card with existing crypto balance; successful purchases only. Small authorizations, declined transactions and replacements are separate. helpcenter.redotpay.com · 2026-09-28 Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.