Head to head
ether.fi Cash vs Bleap
Both are self-custodial, but they solve different problems. ether.fi Cash is a credit card built around ETH: your collateral keeps earning while you spend, and 3% applies up to your tier’s monthly cap. Bleap is a simpler debit card with 0% FX and a 1% base rate, plus bigger category bonuses.
| Feature | ether.fi Cash | Bleap |
|---|---|---|
| Our score | 8.4 / 10 | 8.3 / 10 |
| Card type | Credit | Debit |
| Custody | Self-custody | Self-custody |
| Cashback | 3% to tier cap | 1% (to €3k/mo) · 3% · 20% |
| Paid in | ETHFI | USDC |
| Annual fee | $0 | $0 |
| FX fee | 0% USD/EUR · 0.5% other | 0% |
| Availability | EU excl. NL, FI, EE · UK · CH · NO · US · UAE | EEA · Switzerland |
| Net value, eurozone* | +€342/yr | +€180/yr |
| Net value, Romania* | +€432/yr | +€180/yr |
*At €1,500 a month with a typical foreign-currency share for each place (10% in the eurozone, 85% in Romania, where local lei spending counts as foreign currency). Run your own numbers.
Who wins at €500, €1,500 and €3,000 a month
Net value per year from the same calculator that powers the country pages: cashback minus FX, conversion and annual fees, with €1,000 kept on the platform for balance-based cards. Category bonuses and promotions are not counted.
| Scenario | ether.fi Cash | Bleap |
|---|---|---|
| Eurozone, 10% foreign · €500/mo | +€177 | +€60 |
| Eurozone, 10% foreign · €1,500/mo | +€342 | +€180 |
| Eurozone, 10% foreign · €3,000/mo | +€372 | +€360 |
| Romania, 85% foreign · €500/mo | +€155 | +€60 |
| Romania, 85% foreign · €1,500/mo | +€432 | +€180 |
| Romania, 85% foreign · €3,000/mo | +€547 | +€360 |
Where the difference comes from
On the free Core tier ether.fi Cash pays 3% on the first $2,000 of spending each month, then 1% on the next $1,000 and 0.5% beyond, but euro purchases follow a lower ladder: 3% only on the first $800 (about €700), 1% up to $1,500 and 0.1% above. Its cashback is paid in the ETHFI token, which can lose value, not in a stablecoin. Bleap pays a flat 1% base rate on up to €3,000 of spending a month and €500 per purchase, plus 3% and 20% category bonuses that the calculator leaves out because they depend on where you shop. ether.fi wins at every spend level shown above, but in the eurozone the margin shrinks as spending grows, to almost nothing at €3,000 a month.
Fees are where Bleap claws some back. ether.fi’s free tier adds 0.5% on anything outside USD and EUR, which in Romania means most local lei purchases; Bleap adds nothing on any currency. Even so, the Romania column shows ether.fi further ahead, because lei purchases follow its higher standard ladder. Custody is a draw: both leave funds in your own wallet. The deciding factors are availability, since ether.fi is not offered in the Netherlands, Finland or Estonia, and ships only a virtual card to Belgium and Ireland, and whether you want a credit line against ETH at all.
Choose ether.fi if…
you hold ETH, spend mostly in EUR or USD, and want the highest everyday rate.
Choose Bleap if…
you want zero FX fees, spend in non-euro currencies, or live in the Netherlands, Finland or Estonia.