MEXC and Ether.Fi Launch Crypto Card With 4% Cashback and Exclusive Perks

Forget your bank's measly rewards. A new crypto card is cutting through the noise, promising real yield on everyday spending.

Spend Crypto, Earn Crypto

MEXC Global and liquid staking protocol Ether.Fi just unveiled a co-branded card that turns transactions into assets. The headline grabber? A flat 4% cashback paid in crypto on all purchases—no category restrictions, no quarterly caps. That's not a teaser rate; it's the permanent structure.

More Than Just Swipe Rewards

The launch perks are designed for the degens. Early users get boosted cashback tiers, exclusive NFT airdrops tied to spending milestones, and priority access to Ether.Fi's restaking vaults. It's a loyalty program that actually understands its audience: people who'd rather have ETH than airline miles.

The Fine Print (And The Jab)

The card operates in a regulatory gray area, bypassing traditional credit checks by leveraging on-chain reputation and asset holdings. It's a bold move that puts the 'finance' back in decentralized finance—finally giving your crypto portfolio a job beyond hodling. Just remember, in crypto, a 4% return is either revolutionary or a sign you're not being ambitious enough. Your traditional banker would call it reckless; early adopters call it Tuesday.

Post-MiCA Boom: Crypto Cards Gain Momentum

In the wake of the MiCA crypto regulations in Europe and other regions tightening crypto oversight, users are looking for tools that let them spend crypto directly while staying compliant. New tax reporting rules mean many crypto holders now seek alternatives that provide more control and discretion.

A crypto cashback card fits this niche by bridging on-chain assets with real-world commerce. Users can pay for goods and services with crypto-backed funds without liquidating their holdings first, which is especially appealing under stricter tax regimes. This approach empowers people to use their crypto earnings for everyday expenses in a regulated yet privacy-respecting manner.

Key Card Incentives

The co-branded MEXC × Ether.Fi card comes with several enticing benefits. Foremost is the 4% instant cashback on every purchase, allowing cardholders to earn crypto rewards on routine spending. Additionally, new users who join during the launch period can claim a $15 USDT airdrop after completing a qualifying deposit and card application.

Beyond these upfront perks, the card integrates with Ether.Fi’s platform to offer up to 10% APY on certain digital assets held in the connected account. As an added promotion, throughout January, the card provides elevated 10%-15% cashback on food and dining purchases.

Campaign Details: Unlocking Rewards

New users can unlock the crypto credit card rewards by completing a few steps during the campaign. First, register on MEXC and pass KYC verification. Next, make a net deposit of at least 100 USDT into the account.

After depositing $100+ and applying for the MEXC crypto card, users qualify for a 15 USDT airdrop bonus. The campaign runs from January 15 to February 15, 2026, with rewards credited shortly after it ends.

Referral Program Incentives

MEXC’s card launch includes crypto card referral rewards to encourage community growth. For each friend a user invites who meets the deposit requirement and gets the card, the referrer earns 10 USDT as a reward. There is no cap on how many referral bonuses one can collect, so avid community members can earn $10 repeatedly for every new user they bring in. On top of that, referrers also get an extra 1% cashback on all purchases their referees make with the card.

This means if you refer someone and they start spending with the card, you receive 1% of their spending as a passive bonus. The referral mechanics scale without limit, making it attractive for influencers and affiliates to promote the MEXC crypto card and earn ongoing crypto card referral rewards.

Travel, Luxury, and Everyday Spending

A major selling point of the MEXC × Ether.Fi card is its real-world usability across travel, luxury, and everyday spending. Powered by the Visa network, the card is accepted at over 100 million merchants and ATMs worldwide wherever Visa is supported. It also integrates seamlessly with mobile wallets like Apple Pay and Google Pay, allowing users to tap and pay with ease.

Travel-focused users will benefit from perks such as discounts of up to 65% on luxury hotels, along with a consistent 5% cashback on hotel bookings made through affiliated programs. Beyond travel, everyday purchases like dining, ride-hailing, groceries, and online shopping earn the standard 4% crypto cashback. These rewards effectively turn routine expenses into opportunities to accumulate crypto.

Privacy, Compliance, and Where It’s Available

While the card emphasizes convenience and privacy, it also operates within regulatory frameworks. Users must complete identity verification through MEXC and Ether.Fi’s onboarding process, ensuring compliance with anti-fraud and regulatory requirements.

Availability depends on regional regulations. The card is accessible in many countries across Europe, Asia, Latin America, and select parts of North America, but certain jurisdictions remain excluded. Residents of restricted regions, including China, India, and some U.S. states, are not eligible to apply.

Who Benefits From This Card?

The card is designed for several types of crypto users. Active traders can access their crypto liquidity for everyday spending without fully cashing out or interrupting their broader trading strategies. Assets can remain invested or staked while still being usable for payments.

Yield-focused users benefit from the card’s integration with staking and interest-bearing accounts, effectively combining spending functionality with portfolio growth. Meanwhile, privacy-conscious users navigating tighter tax and reporting rules may appreciate the card’s structure, which allows crypto-backed spending within a compliant framework rather than relying on frequent bank withdrawals.

MEXC Broadens Crypto Utility Beyond Trading

This co-branded card launch signals MEXC’s strategic MOVE to expand beyond just being a trading exchange and into a broader crypto lifestyle arena. By collaborating with Ether.Fi and leveraging DeFi yields and on-chain custody, MEXC is positioning itself at the forefront of crypto’s push into everyday payments.

As mainstream regulations like MiCA reshape the crypto environment, MEXC’s initiative shows a forward-looking commitment to making crypto as intuitive to spend as it is to hodl or trade. In summary, the MEXC crypto card is a step toward normalizing crypto in daily life, giving users a secure, rewarding, and practical way to use their digital assets under real-world conditions.