ether.fi
Pays you
- 3% back on every purchase
- 0% FX on EUR and USD
- Spend against S&P 500 and Nasdaq
- SEPA Instant top-ups
ether.fi × Pelikan · Visa
The travel card that pays you back on the flight.
3% back on every purchase with the card, from ether.fi. Book your flight with Pelikan and we add 3% more, so it’s 6% back on the fare. No FX fees in EUR or USD. Top up in seconds by SEPA Instant.
Card ready inunder 5 minutesStart earning cashbacktoday
* Pelikan layer illustrative, see footnotes.
3%on every card purchase
6%on flights with us: 3% + 3%*
$2,000yearly value, basic card*
Made for Europe's travellers
BTS → DXBexample $620 +$37.20/
VIE → LISexample $340 +$20.40/
PRG → BKKexample $890 +$53.40/
BUD → MADexample $290 +$17.40/
BTS → CDGexample $260 +$15.60/
WAW → NYCexample $780 +$46.80/
VIE → MLEexample $1,450 +$87.00/
KRK → LCAexample $310 +$18.60/
BTS → PMIexample $240 +$14.40/
BER → TYOexample $1,120 +$67.20/
BTS → DXBexample $620 +$37.20/
VIE → LISexample $340 +$20.40/
PRG → BKKexample $890 +$53.40/
BUD → MADexample $290 +$17.40/
BTS → CDGexample $260 +$15.60/
WAW → NYCexample $780 +$46.80/
VIE → MLEexample $1,450 +$87.00/
KRK → LCAexample $310 +$18.60/
BTS → PMIexample $240 +$14.40/
BER → TYOexample $1,120 +$67.20/
Live · ether.fi card network
On-chain data
Spent with ether.fi cards, all time$906,600,0004.7× more per month than a year ago
Last 7 days$30Mcard spend
Last 30 days$126Mcard spend
Cashback earned$27Mest., all time
Cardholders112,260wallets that have spent
$33.5MOct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
$129.4MSep pace
Card spend from public on-chain data (paymentscan.xyz), refreshed every few hours; the counter moves at the current daily spend rate. 7- and 30-day figures are estimated from monthly totals. Cashback is estimated at the 3% base rate; actual payouts depend on tiers and caps. Current month shown at its month-to-date pace.
Three names, one single card
Cashback from ether.fi.
Cashback from ether.fi.
Trust from Visa.
Travel from Pelikan.
All three power the same one card. ether.fi runs the money, Visa runs the network, Pelikan runs everything around the trip. One card, one app, one WhatsApp desk.
Visa
Works everywhere, protects you
- 150M+ merchants, 200+ countries
- Apple Pay and Google Pay
- Rental, purchase and price cover
Pelikan
Looks after the trip
- +3% extra on flights we book (6% total)
- Lounge 1+1: you and a companion, lounge.club
- SOS Flights 24/7 when it breaks
- HotelHop price watch
- Pelikan Concierge 24/7
Freeze instantlyLost your card? Block it with one tap in the app and unfreeze the same way.
Disputes in-appSomething wrong with a charge? Start the dispute from the transaction.
Cash Protection ProgramYour balance is covered by the Cash Protection Program: if unauthorized activity ever hits a covered contract, it is coverage-backed and can reimburse you — up to $10k on Core and up to $50k on Luxe.
Yearly value · basic card
$2,000/yr*
Most cards give you one layer. This one gives you two. ether.fi pays on everyday spend. Pelikan adds travel benefits and cashback on the trips we book for you.
ether.fi everyday rewards. Their published yearly-rewards figure for the basic card. Verify on ether.fi.
Travel benefits, in kind. Lounge for you and a companion (lounge.club 1+1), hotel rate-watch, fare-watch, SOS desk.
Travel cashback. An extra 3% on qualifying flights, on top of the card’s 3%, up to $500 a year.
Your year, estimated
How much would it pay you?
Move the sliders. The estimate adds up everyday cashback and flight cashback, then the travel benefits on top.
$200excl. flights$10k
024
$80$3,000
Estimated cashback per year
$702
about $59 a month, plus $500 in travel benefits ($1,202 total value)
Everyday cashback3% on all card spend, flights too · up to $2,000/mo
$621
Flight cashbackextra 3% from Pelikan on $2,700 in fares
$81
Travel benefitsIn kind: lounge 1+1, fare-watch, rate-watch, SOS
$500
That's $81 more cashback plus $500 in benefits, compared with the same card without Pelikan bookings.
Estimate only. ether.fi rates and monthly caps are their published terms, so check ether.fi. The Pelikan layer is illustrative until countersigned. Flight cashback applies only to flights booked with Pelikan and paid with the card. Benefits are in kind, not cash.
How it pays
Everyday
Flights with Pelikan
Two rates. They stack, and each one has its own job.
3–4%
Every purchase with the card: groceries, coffee, rent-a-car, subscriptions, and flights too. It keeps paying until your tier's monthly cap.
Core3% · $2k
Luxe3% · $10k
Pinnacle3% · $50k
VIP4% · $50k
Everyday cashback · part of the card
+3%
Extra cashback on the fare when you book in the Dubaihop app or on WhatsApp and pay with the card. The card's 3% still applies, so a Pelikan flight earns 3% + 3% = 6% back. Buying on airline.com only gets the 3%.
Booked with us · extra layer from Pelikan · illustrative
Pay like a local · top up in seconds
No FX fees. Money in instantly.
Two things banks quietly charge travellers for. This card doesn't.
0% FX markup
Pay in euros or dollars at the real rate.
Paris hotel in EUR, New York dinner in USD: no currency markup on either. You pay the true market rate, whether your balance is in dollars or euros.
Example · €1,000 hotel billFX fee
Typical bank card€10–30
Best Travel CardNo markup€0
Tip: always choose to pay in the local currency (EUR or USD) when the terminal offers conversion.
SEPA Instant
From your bank to your card in seconds.
Send euros from your European bank account by SEPA Instant. The money lands on your card in seconds, ready to spend at the gate.
- 01Open Cash → Add funds → SEPA
- 02Send EUR from your bank app
- ✓Available to spend, instantly
Deposit fee: free to €0.90, depending on your country and provider.
5.57%USD savings rate · variable
Your balance doesn't have to sit still.
Money you keep on the card can earn while it waits, and it still backs your spending. The live rate below is the one for USD — EUR and stock-based earning are next.
NowUSD
NextEUR · stocks
USD rate synced from ether.fi's Liquid USD vault (via DeFiLlama), updated hourly. Variable, not guaranteed, not a bank deposit.
Hold stocks · spend the card
Keep your S&P 500. Spend against it.
Hold the S&P 500 or the Nasdaq-100 in the ether.fi app and keep them invested. When you pay, the card borrows against your portfolio instead of making you sell. Your money stays in the market, and you still get the 3% back.
- S&P 500 and Nasdaq-100, from $10Available in Europe. Tokenized trackers (xStocks), shown alongside your other assets. Dividends are reinvested automatically.
- Spend without sellingBorrow against the portfolio value and pay with the card. Around 4% a year, per ether.fi.
- Stay in controlRepay any time. Keep a healthy margin: if markets fall far, part of the portfolio can be sold automatically.
$2,000$200k
Stays invested Keeps tracking the market, dividends reinvested$25,000
Spend with the card Borrow against it, no sellingAnytime
Borrowing cost Per ether.fi, variable~4%/yr
Cashback on what you spend3%
Illustration. Borrowing costs interest, and if markets fall far part of the portfolio can be sold automatically. Available to EU residents. Not investment advice.
Card perks
The card is loaded. Pick your tier.
All of it is part of the card. Pick a tier to see what it unlocks — every perk is listed from ether.fi's published benefits table.
Coreover $1,000Luxeover $5,600Pinnacleover $28,000VIPover $50,000Estimated annual value at full usage — ether.fi's own figures, see ether.fi/personal/compare
Estimated annual value
Over $1,000
in rewards, at full usage · ether.fi estimate
Everyday cashback
3%
on the first $2,000 each month
Category cashback
—
From Luxe up
Airport fast track
—
From Pinnacle up
ATM withdrawals
Available
Standard limits and fees apply
Balance protection
Up to $10k
Not deposit insurance
Cards
Physical + 1 virtual
Physical card free, shipping fee applies
Support
Standard
Premium support from Pinnacle up
Visa benefits on every tier
Auto-rental insurancePurchase & price protectionGlobal Blue VAT refundsGlobal eSIM discountsAirport-lounge benefit
Source: ether.fi Help Center, "Membership level benefits", checked 26 Sep 2026. Lounge passes are marked "coming" by ether.fi and aren't live yet. All benefits are subject to ether.fi's eligibility, limits and terms.
Travel perks
Travel perks that start at the booking.
Book the trip with us and pay with the card: extra cashback on the fare, lounge for you and a companion, a rescue desk when flights break and a hotel rate that keeps getting watched.
+
Only with the Best Travel CardOn top of every card tier. Travel perks are illustrative until final terms.
SOS Flights assistance
Flight cancelled at 23:00? That's our problem now.
- 24/7 rescue desk on WhatsApp
- Rebooking options within minutes
- What to do at the airport, step by step
- EU261 check: up to €600 per passenger, where eligible
- Protection voucher included, $113 value
+3%
Flight cashback
Extra on flights booked with Pelikan. Stacks with the card's 3%, so 6% in total.
1+1
Lounge for two · lounge.club
$33/month for you, and your companion gets in free. Every card tier, on flights booked in the Pelikan concierge app.
Auto
HotelHop monitoring
We rebook your hotel if the rate drops. See how →
24/7
Personal concierge
A real person on WhatsApp: restaurant bookings, upgrades and special requests. Meet them →
HotelHop monitoring · included
Book the room. We keep watching the price.
Most people book a hotel and never check it again. HotelHop keeps checking your booked room, and if the rate drops before your free-cancellation deadline, the desk rebooks you at the lower price.
- Price-drop watchYour exact room and dates, re-checked after you book.
- Alert on WhatsAppA message when the drop is worth it, not a wall of notifications.
- Rebooked for youThe desk cancels and rebooks at the lower rate. Nothing for you to do.
- Deadline guardA reminder before free cancellation ends, so you don't lose flexibility.
- Upgrade requestsThe desk asks for upgrades and extras on request. Not guaranteed.
Lisbon · 4 nightsDouble room · free cancellation to 12 Oct
WatchingBooked at$720
Price today$612
You save after rebooking$108
WhatsApp · HotelHop
Your Lisbon room dropped by $108. Shall we rebook you? Same room, same dates.
Example booking and prices, for illustration. HotelHop is rolling out with the card.
Three steps
Card. App. Fly.
01
Get the ether.fi card
Pick any tier, Core to VIP. ether.fi handles the KYC and the Visa card — typically ready in under 5 minutes, so you can start earning today. ether.fi
02
Get the travel app
Download Dubaihop on the App Store or Google Play — or just save the desk on WhatsApp, +421 947 797 797.
03
Book with us, pay with the card
Book the flight in Dubaihop or on WhatsApp. Cashback and the lounge for you and a companion attach to that order.
Personal travel concierge
Your personal travel concierge. On WhatsApp, 24/7.
One message to a real person on the Pelikan team. Flights, hotels, tables, upgrades — and when plans break at 23:00, it's handled before you reach the gate.
A human, not a chatbot
Cancelled flight at 23:00? Message +421 947 797 797. Your concierge rebooks you.
Our BTS flight was just cancelled. Two of us, need Dubai tomorrow.
On it — rebooked via VIE 07:10, same cabin. Lounge for both of you is on the ticket. Your concierge · 23:04
Message your concierge
Tables, upgrades, special requests
A dinner reservation in Dubai, a seat upgrade, a birthday cake in the room. Ask, and it's arranged.
The whole trip, planned
Flights, hotel and transfers in one conversation, paid with the card so the cashback lands too.
Watching after you book
We keep an eye on the fare and the room rate after you pay, and rebook if it drops. Rolling out with the card.
Built in Bratislava, for Europe
Pelikan has been booking Central European travellers for years. The card puts that team in your pocket.
Trip cost checker
Same trip, three cards. See which one pays you.
Most travel cards only promise not to charge you. This one pays you back. Set your trip and compare the net result against the two most popular free cards in Europe.
Best Travel Card Pays you3% back on everything, 0% FX · 6% on the Pelikan flight (3% + 3%)
+$96
Revolut StandardNo cashback · 1% on weekends and above €1,000/mo
−$9
N26 StandardNo cashback · no FX fee on card payments
$0
On this trip the Best Travel Card leaves you $105 better off than Revolut Standard and $96 ahead of N26 Standard.
Get the cardMethod, updated 27 Sep 2026. Card payments only, no ATM use. Revolut: 1% on exchanges 17:00 Fri–18:00 Sun ET and 1% above €1,000/month on weekdays (Standard, EEA). N26 Standard: no fee on foreign card payments, Mastercard rate. Best Travel Card: 0% FX on EUR/USD, ~1% + up to 0.5% on other currencies (Core). RevPoints (1 per €10) not counted as cash. Sources: help.revolut.com, support.n26.com, help.ether.fi, checked 27 Sep 2026. Flight cashback illustrative until countersigned.
Compare
They pay on spending. We book the flight.
| What you get | Best Travel Card | Revolut | Kraken Card | Nexo |
|---|---|---|---|---|
| Who books your flight | Pelikan, via Dubaihop or WhatsApp | You, in the app or with the airline | You, or their travel portal | You |
| Flight cashback | 6% on qualifying bookings: 3% card + 3% Pelikan* | Plan perks, no flight desk rate | Everyday rate, asset-gated | Loyalty schedule |
| Lounge | You + 1 companion with lounge.club ($33/mo, companion free) on Pelikan flights, every tier | Paid plans only | Not the product | Not the core product |
| FX on EUR / USD | 0% markup (ether.fi terms) | Standard: 1% weekends and above €1,000/mo | Varies | Varies |
| Everyday spend | 3% cashback on every purchase (4% VIP) | No cashback on Standard (RevPoints) | Tiered, asset-weighted | Membership-weighted |
| When the trip breaks | WhatsApp desk, human | In-app support | Exchange support | Nexo support |
Competitor rows are public positioning and change often, so check each issuer's live terms.
Travellers already book with Pelikan
The card is new. The desk behind it isn't.
Google reviews · Pelikan.sk
4.6
Pelikan's Slovak Google profile. Read what travellers say about the desk that will run your card's bookings.
Read Google reviews →Trustpilot · pelikan.sk
Pelikan is definitely the best travel agency I have ever tried, and not just in Slovakia but in the whole of Europe.Read on Trustpilot →
Real humansWhatsApp desk +421 947 797 797
Bratislava HQBooking Central Europe for years
SOS 24/7sosflights.help
Questions
Straight answers.
What makes it the best card for travellers?
It pays on the whole trip, not just on spending. You get 3% back on every purchase from ether.fi, 0% FX when you pay in euros or US dollars, instant SEPA top-ups from any European bank, and an extra 3% from Pelikan on flights you book with us (6% back in total), with lounge access on the ticket and a human travel desk on WhatsApp 24/7. It runs on Visa, so it works wherever Visa does. Whether it's the best card for you depends on how often you fly: run the calculator or compare it with Revolut, Kraken and Nexo.
Does it work abroad?
Yes. It's a Visa card, accepted by 150M+ merchants in 200+ countries, and you can add it to Apple Pay or Google Pay. EUR and USD payments have no FX markup; other currencies use ether.fi's conversion rate. Pay in the local currency when a terminal offers conversion.
How much is the membership worth?
ether.fi's own estimates, at full usage of the benefits: Core over $1,000 a year, Luxe over $5,600, Pinnacle over $28,000 (close to $30,000) and VIP over $50,000. "Full usage" means using the cashback cap, the lounge passes, the subscription discounts and the travel perks. Those estimates are ether.fi's; the Pelikan layer on flights is illustrative until countersigned.
Is there a monthly fee?
No subscription. ether.fi tiers unlock with loyalty points rather than a monthly plan: Core is open to every member, Luxe unlocks at 5,000 points, Pinnacle at 25,000, VIP is invitation only. The Core physical card is free (shipping applies); higher tiers get a free metal card. Compare that with paid travel plans elsewhere that cost €5–17 a month.
Can I withdraw cash at ATMs abroad?
Yes. ATM withdrawals are available on every tier, up to $1,000 per withdrawal and five in any 24 hours. From Luxe up, the first 10 withdrawals each month are free. The ATM owner may add its own fee, which is shown before you confirm. For daily spending, paying by card or phone earns 3% back and cash doesn't.
Who can get the card?
Adults who pass ether.fi's identity check in a supported country. In Europe that includes Slovakia, Czech Republic, Austria, Germany, France, Italy, Spain, Portugal, Poland, Hungary, the Nordics, the Baltics, Switzerland and the UK, among others. In Belgium and Ireland you get the virtual card only, with no physical card yet. The full list is on the ether.fi Help Center.
Is it travel insurance?
No, and we don't pretend it is. It isn't a trip-cancellation or medical policy. What you do get: Visa auto-rental insurance, purchase and price protection, the ether.fi Cash Protection Program, and a human desk. When a flight is cancelled, SOS Flights rebooks you and checks your EU261 compensation (up to €600). For medical cover abroad, buy a separate travel policy.
Is it better than Revolut or N26 for travel?
For card spending, usually yes, because it pays you back. Revolut Standard and N26 Standard pay no cash back on everyday spend; this card pays 3% on every purchase. Revolut Standard also charges 1% on weekend exchanges and 1% above €1,000 a month on weekdays. N26 Standard adds no fee on foreign card payments, and in currencies other than EUR and USD it is cheaper on conversion than this card (about 1–1.5% here on Core), but the 3% cashback still leaves you ahead. For heavy ATM use abroad, check each card's allowances. Run your own trip in the checker.
Where does the $2,000 come from?
ether.fi's $1,000 is their published yearly-rewards figure for the basic card. Pelikan's $1,000 is $500 in travel benefits (lounge for you and a companion, fare-watch, rate-watch, SOS, the desk) plus up to $500 in cashback on qualifying fares. The Pelikan part is illustrative until the partner schedule is countersigned.
Is the Pelikan $1,000 cash?
No. $500 is benefits in kind. Up to $500 is travel cashback on qualifying fares. It isn't a bank credit or a guaranteed payout.
How does the 6% on flights work?
It's two 3%s. ether.fi pays its 3% on every purchase, flights included. When you book the flight with Pelikan and pay with the card, Pelikan adds another 3% on the fare. So a $620 flight earns $18.60 + $18.60 = $37.20 back (6%). Everyday spend stays at ether.fi's 3% (4% on VIP).
What counts as a qualifying flight?
A flight bought in the Dubaihop app or on WhatsApp +421 947 797 797 and paid with the card when the desk asks. Tickets bought on airline.com don't count.
Who issues the card?
One card — ether.fi issues it on Visa and Pelikan is the travel partner behind it. All the perks come with the card: everyday cashback, Cash Protection, lounge passes on the higher tiers, our travel layer and concierge, plus the extra flight cashback. Issuing and KYC sit with ether.fi, so you apply through them.
Does the 3% apply to everything I buy?
Yes. ether.fi pays 3% on every eligible purchase with the card (4% on VIP), up to your tier's monthly cap: $2,000 on Core, $10,000 on Luxe, $50,000 on Pinnacle and VIP. Flights count too. Book them with Pelikan and we add another 3%, so 6% on the fare.
How fast can I get the card?
Sign-up is minutes: verify your identity with ether.fi, then your virtual card is ready to add to Apple Pay or Google Pay — typically under 5 minutes. The physical card ships to you afterwards. Cashback starts from your first purchase.
Is my balance protected?
Yes. Your balance is covered by the Cash Protection Program, and it is coverage-backed: if unauthorized activity hits a covered contract, it can reimburse you, up to $10,000 on Core and up to $50,000 on Luxe. You can also freeze your card instantly in the app and dispute any charge from the transaction. Eligibility and exclusions apply — a compromised device or private key is not covered, and your balance is not a bank deposit.
Is there a concierge service?
Yes, and it's run by Pelikan, not outsourced. Pelikan Concierge is our own travel team on WhatsApp +421 947 797 797, 24/7: restaurant bookings, upgrades, transfers and special requests, handled by the same people who book your flights.
How does the lounge work?
Every card tier gets lounge.club on a 1+1 deal: for $33 a month you get lounge access for yourself and one companion, and the companion is free. It applies to flights booked with Pelikan in the concierge app (Dubaihop) or on WhatsApp +421 947 797 797. Lounge network and final terms are set by lounge.club.
Are there FX fees?
Not when you pay in euros or US dollars. ether.fi applies zero FX markup on EUR purchases, and USD is the card's native currency. Other currencies use ether.fi's base conversion rate (about 1%), with an extra markup of up to 0.5% on Core and none on Pinnacle and VIP. Choose to pay in the local currency when a terminal offers conversion.
How do I top up the card?
From any European bank account by SEPA: in the app go to Cash → Add funds → Bank → EUR → SEPA and send the transfer. Most European banks support SEPA Instant, so the money arrives in seconds. If your bank only offers standard SEPA, it can take 1–2 business days. The deposit fee is free to €0.90 depending on your country and provider.
How does spending against stocks work?
In the ether.fi app you can hold tokenized stocks and ETFs (xStocks), including S&P 500 and Nasdaq-100 trackers, available to EU residents. Instead of selling, you borrow against your portfolio and spend with the card. ether.fi puts borrowing at around 4% a year. If your portfolio falls too far, part of it can be sold automatically (liquidation), so keep a margin. Not investment advice.
What does HotelHop actually do?
After you book a hotel, HotelHop keeps checking the rate for your room and dates. If it drops before your free-cancellation deadline, the desk messages you and rebooks at the lower price. It's rolling out with the card.
What happens if my flight is cancelled?
Message SOS Flights on WhatsApp, 24/7. The desk sends rebooking options, tells you exactly what to ask for at the airport, and helps you prepare an EU261 claim if you're eligible (up to €600 per passenger under EU law).
Why is the page in dollars?
ether.fi publishes its card rewards and caps in US dollars, so dollars are the default. Tap € in the menu to see euro estimates. They're converted at the ECB reference rate and are approximate.
Can I use it anywhere in Europe?
Card availability follows ether.fi's supported countries, so check ether.fi for yours. The Pelikan desk books from any European airport.
Your next flight should pay you back.
Three ways in: get the card from ether.fi, put the travel app on your phone, or message the desk. Then every flight starts paying you back.
01 · The cardGet the card
Apply on ether.fi. Virtual card typically ready in under 5 minutes, then add it to Apple Pay or Google Pay.
Get the card on ether.fi via ether.fi
02 · The travel appGet the travel app
Dubaihop books the flight and the hotel, and keeps watching the price after you book.
free download
03 · The deskMessage the desk
Flights, changes, disruption, questions — a human on WhatsApp, 24/7.
Message the desk +421 947 797 797