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Ether.fi Cash vs Tevau
Ether.fi Cash and Tevau represent opposite ends of the crypto card spectrum. Tevau is as simple as crypto cards get — load USDT, spend via Visa, pay ~1% to top up. Ether.fi Cash is the most technically sophisticated card on this site — non-custodial, DeFi-native, with a Borrow Mode that lets you spend against ETH collateral without selling it. The two cards share almost no user overlap. Tevau is for stablecoin spenders who want simplicity. Ether.fi is for ETH holders who want to stay in the DeFi ecosystem while spending.
Key Facts
Card Network
Visa (Visa Signature tier)
Visa
Crypto Support
ETH, USDC, USDT, BTC
USDT, USDC
Card Issuer
Licensed Visa issuer via ether.fi partnership with MEXC
Tevau (VISA HK licensed partner)
Card Types
Virtual, Physical
Virtual, Physical
Availability
Global — excluding US at launch; UK FCA licensing expected September 2026
200+ countries globally
KYC Required
Yes — KYC required
Yes — minimal for virtual card; full KYC for higher limits & physical card
Custody Model
Non-custodial (Gnosis Safe multi-sig — user-owned wallet)
Custodial (Tevau wallet)
Card Validity
3 years
3 years
Card Tiers
Core (free), Luxe (10K points), Pinnacle (50K points), VIP (invite-only)
Platinum, Dgrid, Canza CMC Diamond, Plastic, Metal
Fiat Currencies
USD, EUR
USD, EUR, IDR, HKD
Supported Devices
iOS, Android, Web
iOS, Android, Web
Pricing & Fees
Virtual Card Cost
Free
$10
Physical Card Cost
$40 (refundable deposit)
$100
Annual Fee
Free
Free
Top-up Fee
Free
1%
Minimum Top-up
$40
$10
FX Fee
1%
1.2%
ATM Withdrawal Fee
2%
1.9%
Crypto Conversion Fee
Unknown
Free
Card Replacement Fee
$20
Repurchase new card
Inactivity Fee
Free
Min. $1 for Virtual Card Only
Transaction Fee
Free
Free
Refund Fee
Free
Free
Card Features
Virtual Card
Yes
Yes
Physical Card
Yes
Yes
Apple Pay
Yes
Yes
Google Pay
Yes
Yes
ATM Withdrawal
Yes
Yes
Rewards Program
Yes — 2%–3% cashback; promo up to 10%
Tevau Lucky Box
Cashback Token
wETH
1000 pts = $1
Special Benefit
Borrow Mode (spend against ETH collateral without selling); Visa Signature benefits (purchase protection, extended warranty, rental insurance)
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in, hourly payout)
Subscription Rebates
No
No
Earning
Yes — Liquid Vault earns 5%+ APR on idle USDC; wETH cashback compounds via staking
Yes — USDT Earn yield Daily
Mobile App Controls
Yes (freeze, transaction history, spending controls, multi-member roles)
Yes (freeze, replace, track spending)
Security Controls
Gnosis Safe multi-sig, non-custodial architecture, real-time notifications
Card controls, risk monitoring, real-time transaction alerts
Limits
Per-Transaction Limit
$30,000 to $100,000 (depends on card tier)
$1,000,000
Daily Spending Limit
$30,000 to $100,000 (depends on card tier)
$3,000,000
Monthly Spending Limit
$30,000 to $100,000 (depends on card tier)
$3,000,000
ATM Daily Limit
$250/withdrawal; max 3 attempts per rolling 24 hours
$10,000
ATM Monthly Limit
$250/withdrawal; max 3 attempts per rolling 24 hours
$100,000
Top-up Min. Limit
$5
$10
Top-up Max. Limit
Unlimited
Unlimited
Customer Care
Support Channels
In-app help, email, Help Center (help.ether.fi)
In-app chat, email, Telegram
Response Time
Good — Responsive team; priority support for higher tiers
Slow — hours to several days; delays commonly reported
Languages Supported
English, Spanish, Portuguese, Traditional Chinese (help center)
English, Chinese (limited regional languages)
Knowledge Base
Yes — help.ether.fi
Yes —tevau.tawk.help
Refund Handling
Cashback reversed on refunded transactions; standard Visa dispute process applies
Auto process 30-60 days
User Reviews
Very positive among early adopters
Mixed — fast KYC and low fees praised; support quality and merchant declines criticised
Trust Score
~3.8/5 (early adopter reviews)
~3.5/5 (external review aggregate)
Order Now
Card Type
Virtual & Physical ($40 refundable deposit for physical)
Virtual & Physical (Plastic / Metal)
Min Top-up
$5
$10
Approval Time
Virtual: Instant; Physical KYC approval: Fast (hours to 1 day)
Virtual: Hours to 2 days (after KYC); Physical: Varies by region
Bonus Offer
Various Seasonal Promotion
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in)
Card Delivery Time
Virtual: Instant; Physical: ~7 days international shipping (user reports)
Virtual: Instant after approval; Physical: Varies (some regions report shipping delays)
Region Warning
Not available to US residents at launch; UK access available (full FCA licensing expected September 2026); Borrow Mode has liquidation risk
Not available in some regions (e.g., Bangladesh, Thailand reported issues); check local availability before applying
Ether.fi Cash
Get Ether.fi Cash →
Key Facts
Card Network
Visa (Visa Signature tier)
Crypto Support
ETH, USDC, USDT, BTC
Card Issuer
Licensed Visa issuer via ether.fi partnership with MEXC
Card Types
Virtual, Physical
Availability
Global — excluding US at launch; UK FCA licensing expected September 2026
KYC Required
Yes — KYC required
Custody Model
Non-custodial (Gnosis Safe multi-sig — user-owned wallet)
Card Validity
3 years
Card Tiers
Core (free), Luxe (10K points), Pinnacle (50K points), VIP (invite-only)
Fiat Currencies
USD, EUR
Supported Devices
iOS, Android, Web
Pricing & Fees
Virtual Card Cost
Free
Physical Card Cost
$40 (refundable deposit)
Annual Fee
Free
Top-up Fee
Free
Minimum Top-up
$40
FX Fee
1%
ATM Withdrawal Fee
2%
Crypto Conversion Fee
Unknown
Card Replacement Fee
$20
Inactivity Fee
Free
Transaction Fee
Free
Refund Fee
Free
Card Features
Virtual Card
Yes
Physical Card
Yes
Apple Pay
Yes
Google Pay
Yes
ATM Withdrawal
Yes
Rewards Program
Yes — 2%–3% cashback; promo up to 10%
Cashback Token
wETH
Special Benefit
Borrow Mode (spend against ETH collateral without selling); Visa Signature benefits (purchase protection, extended warranty, rental insurance)
Subscription Rebates
No
Earning
Yes — Liquid Vault earns 5%+ APR on idle USDC; wETH cashback compounds via staking
Mobile App Controls
Yes (freeze, transaction history, spending controls, multi-member roles)
Security Controls
Gnosis Safe multi-sig, non-custodial architecture, real-time notifications
Limits
Per-Transaction Limit
$30,000 to $100,000 (depends on card tier)
Daily Spending Limit
$30,000 to $100,000 (depends on card tier)
Monthly Spending Limit
$30,000 to $100,000 (depends on card tier)
ATM Daily Limit
$250/withdrawal; max 3 attempts per rolling 24 hours
ATM Monthly Limit
$250/withdrawal; max 3 attempts per rolling 24 hours
Top-up Min. Limit
$5
Top-up Max. Limit
Unlimited
Customer Care
Support Channels
In-app help, email, Help Center (help.ether.fi)
Response Time
Good — Responsive team; priority support for higher tiers
Languages Supported
English, Spanish, Portuguese, Traditional Chinese (help center)
Knowledge Base
Yes — help.ether.fi
Refund Handling
Cashback reversed on refunded transactions; standard Visa dispute process applies
User Reviews
Very positive among early adopters
Trust Score
~3.8/5 (early adopter reviews)
Order Now
Card Type
Virtual & Physical ($40 refundable deposit for physical)
Min Top-up
$5
Approval Time
Virtual: Instant; Physical KYC approval: Fast (hours to 1 day)
Bonus Offer
Various Seasonal Promotion
Card Delivery Time
Virtual: Instant; Physical: ~7 days international shipping (user reports)
Region Warning
Not available to US residents at launch; UK access available (full FCA licensing expected September 2026); Borrow Mode has liquidation risk
Tevau
Get Tevau →
Key Facts
Card Network
Visa
Crypto Support
USDT, USDC
Card Issuer
Tevau (VISA HK licensed partner)
Card Types
Virtual, Physical
Availability
200+ countries globally
KYC Required
Yes — minimal for virtual card; full KYC for higher limits & physical card
Custody Model
Custodial (Tevau wallet)
Card Validity
3 years
Card Tiers
Platinum, Dgrid, Canza CMC Diamond, Plastic, Metal
Fiat Currencies
USD, EUR, IDR, HKD
Supported Devices
iOS, Android, Web
Pricing & Fees
Virtual Card Cost
$10
Physical Card Cost
$100
Annual Fee
Free
Top-up Fee
1%
Minimum Top-up
$10
FX Fee
1.2%
ATM Withdrawal Fee
1.9%
Crypto Conversion Fee
Free
Card Replacement Fee
Repurchase new card
Inactivity Fee
Min. $1 for Virtual Card Only
Transaction Fee
Free
Refund Fee
Free
Card Features
Virtual Card
Yes
Physical Card
Yes
Apple Pay
Yes
Google Pay
Yes
ATM Withdrawal
Yes
Rewards Program
Tevau Lucky Box
Cashback Token
1000 pts = $1
Special Benefit
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in, hourly payout)
Subscription Rebates
No
Earning
Yes — USDT Earn yield Daily
Mobile App Controls
Yes (freeze, replace, track spending)
Security Controls
Card controls, risk monitoring, real-time transaction alerts
Limits
Per-Transaction Limit
$1,000,000
Daily Spending Limit
$3,000,000
Monthly Spending Limit
$3,000,000
ATM Daily Limit
$10,000
ATM Monthly Limit
$100,000
Top-up Min. Limit
$10
Top-up Max. Limit
Unlimited
Customer Care
Support Channels
In-app chat, email, Telegram
Response Time
Slow — hours to several days; delays commonly reported
Languages Supported
English, Chinese (limited regional languages)
Knowledge Base
Yes —tevau.tawk.help
Refund Handling
Auto process 30-60 days
User Reviews
Mixed — fast KYC and low fees praised; support quality and merchant declines criticised
Trust Score
~3.5/5 (external review aggregate)
Order Now
Card Type
Virtual & Physical (Plastic / Metal)
Min Top-up
$10
Approval Time
Virtual: Hours to 2 days (after KYC); Physical: Varies by region
Bonus Offer
Tevau Earn — up to 4.49% APR on idle USDT (no lock-in)
Card Delivery Time
Virtual: Instant after approval; Physical: Varies (some regions report shipping delays)
Region Warning
Not available in some regions (e.g., Bangladesh, Thailand reported issues); check local availability before applying
Pros & Cons
Ether.fi Cash Pros
Non-custodial — funds stay in your own Gnosis Safe multi-sig wallet
Up to 3% cashback in wETH (compounds your ETH stack via staking yield)
Borrow Mode: spend without selling crypto (tax-efficient)
No annual fee at any tier
Liquid Vault earns 5%+ APR on idle USDC balances
Apple Pay and Google Pay supported
Tax-efficient for long-term holders (borrowing not a taxable event)
Visa Signature benefits: purchase protection, extended warranty, rental insurance
Tevau Pros
Supports USDT directly
Instant virtual card setup
Minimal KYC required for basic access
Accepted globally via Visa (200+ countries)
Low top-up fee (~1%)
Easy app-based card controls (freeze, replace, track)
3-year virtual card validity
Tevau Earn: up to 4.49% APR on idle USDT
Ether.fi Cash Cons
Not available to US residents at launch (no confirmed US timeline)
Borrow Mode carries liquidation risk if collateral value drops
$40 physical card issuance fee (refundable deposit)
1% FX fee on non-USD transactions
2% ATM withdrawal fee
DeFi complexity may not suit non-crypto-native users
Newer product with shorter track record than established competitors
Borrowing rates revert to AAVE market rates when promo ends (2–10% APY)
Tevau Cons
Slow or unresponsive customer support (hours to days)
Frequent transaction declines on Stripe merchants, VPNs, and some hosting sites
No rewards or cashback program
Deposits are non-refundable once loaded to card
Physical card delivery delays in some regions
Not available in some countries (e.g., Bangladesh, Thailand)
Limited crypto support (primarily USDT)
Smaller brand with fewer independent public reviews
Verdict
Choose Tevau if you hold USDT and want the lowest-friction path to everyday card spending. No DeFi knowledge required, no collateralisation ratios to monitor, no liquidation risk. Load, spend, earn 4.49% APR on idle balances via Tevau Earn.
Choose Ether.fi Cash if you hold significant ETH, want to spend without selling, and understand how collateralised borrowing works. The wETH cashback that compounds via staking is a genuinely differentiated reward structure — but it requires comfort with DeFi mechanics that most casual card users don’t have.
Complexity is the honest tradeoff here. Ether.fi Cash offers a more sophisticated product with higher potential value for the right user. Tevau offers a better experience for everyone else. If you have to ask whether Ether.fi’s Borrow Mode is right for you, Tevau probably is.
