Is ether.fi Still the Best Crypto Cashback Card in 2026?

The ether.fi Cash card has updated its rewards program, shifting cashback payouts from USDC to ETHFI. While the 3% cashback rate for the Core tier remains, rewards are now subject to a 7-day lock-up period, introducing token volatility risks. The update also introduces new features including a balance protection program, ether.fi Travel, category-based cashback, and lounge access, alongside revised requirements for Luxe and Pinnacle tiers. A comparison with competitors like OKX, Kraken, Nexo, Bybit, and Crypto.com suggests that despite the reward changes, it remains a top contender, though the shift to ETHFI requires careful consideration.