Earn /yr if you spend A year at $500/mo3% cashback+$180Currency fee−$5
3% cashback, your crypto stays in your wallet
Get ether.fi CashGet card
Ethena Pay Card
Tap the card to read the small print
Get Ethena Pay Card
Waitlist, iPhone only
Your first yearEarn about/yr
- Monthly fee · none
- $0
- Cashback · 4%
- /yr
- Currency fee · 1%
- /yr
- ATM
- No (virtual only)
- Your money
- You hold it
- Sign-up
- Waitlist, then email + ID check
- Apple / Google Pay
- The card itself
- Free virtual
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who keep their savings in digital dollars and want high cashback on everyday card spending. Not for you if you need a card today or carry an Android phone: sign-up goes through a waitlist and the app is on iPhone only.
Need cash from ATMs? Compare with Lava Card
Good to know
- Cashback in AVAX with no monthly cap
- No Ethena Pay FX markup
- Balance earns a daily boost in USDe
- Waitlist for new users
- iPhone only for now
- Cashback paid in a volatile token
Fees
SourceEthena Pay pricing (updated 30.09.2026) · checked November 10- Monthly fee
- $0
- Virtual card
- FreeReplacement and activation free too
- Paying abroad
- Visa's rate, typically ~1%No Ethena Pay markup or cross-border fee
- Late payment
- Up to $40Returned payment up to $29
Plans
Standard$0
- 4% back on the first $2,500 a month, 1% to $4,000
- Daily boost to 5% a year on up to $5,000
ProSubscription (price not published) or referrals
- 4.5% back on the first $8,000 a month
- 6% a year on up to $100,000
VIPBy referrals
- 5% back on the first $20,000 a month
- 6% a year on up to $1,000,000
Top up & withdraw
SourceEthena Pay blog, 'Introducing Ethena Pay' (03.09.2026) · checked November 10Top up
- Crypto
- Digital dollars (USDe and stablecoins)Exact tokens and networks not listed
- Bank transfer
- Free fiat deposits via IBAN partners
Withdraw
- To a bank account
- Yes, at a nominal cost
Countries not published
- How they check where you live
- Proof of address may be requested
- ID from another country
- Not for citizens of 1 countries, wherever they live
- ID accepted
- Ethena Pay terms of use (26.10.2026) · November 10
- Email sign-up, then ID check (Sumsub). Card not for US persons
- Pays in
- Ethena Pay terms of use (26.10.2026) · November 10
- Anywhere Visa works; not in Russia, Iran, North Korea, Cuba, Syria, Venezuela and 22 more
Not for citizens of
United States
Trust
SourceEthena Pay terms of use (26.10.2026) · checked November 10- Card issued by
- Third National (program by Rain), via Ethena Pay Ltd
- Licence
- Visa Platinum, issued by Third National, a Puerto Rico chartered bank
- Based in
- Malta (Ethena Pay Ltd); card issued in Puerto Rico
Offers
Referral bonusReferral bonus of $30 in AVAX when an invited friend completes ID check
Changes
- October 28Ethena Pay speeds up onboarding from its waitlist; Earn+ launched
- November 10Ethena Pay: facts read from Ethena Pay's pricing, FAQ, terms and blog
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