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.
Editorial Score
89%
90%
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 | 180+ 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% | None |
| 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) |
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| 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 CashKey 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 TevauKey Facts
| Card Network | Visa |
|---|---|
| Crypto Support | USDT, USDC |
| Card Issuer | Tevau (VISA HK licensed partner) |
| Card Types | Virtual, Physical |
| Availability | 180+ 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 | None |
| 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 |
Best For
ETH holders and DeFi natives outside the US who prioritise non-custodial control, tax-efficient spending, and compounding wETH cashback.
Budget-conscious USDT spenders seeking low-fee global Visa access, instant virtual card setup, and minimal KYC friction.
Our Verdict
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.
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.
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.
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 (180+ 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
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