🍕Spend, Eat, Earn
Invite friends and earn 10% of their spend during the campaign. New users can earn up to 15% cashback on restaurants and groceries!
Abbreviated Rules
Limited time offer. Restrictions apply. Not available in all jurisdictions. Digital assets are high risk. Past performance ≠ future results. Void where prohibited. See full terms at Promo Terms and Conditions.
Summary
The Spend, Eat, Earn promotion rewards ether.fi Cash users for inviting friends and spending with their ether.fi Cash card on food-related purchases during January 7-31, 2026.
New organic users that join between Jan 7-31 get 10% off food-related purchases.
Newly referred users that join between Jan 7-31 get 15% off food-related purchases.
Referrers (users who invite new users) receive 10% of their referrals' spend.
Regional Cashback Limits apply. Cashback on food spending only applies to Approved Merchant Categories.
Campaign Period
Campaign Window:
🗓️ January 7, 2026, 12:00 AM UTC – January 31, 2026, 11:59 PM UTC
(Only accounts created via referral during this window count as “successful referrals.”)
Earning Window (Spend):
🗓️ January 7, 2026, 12:00 AM UTC – January 31, 2026, 11:59 PM UTC
(Only Qualifying Purchases posted during January counts toward Spend, Eat, Earn Rewards.)
Distribution Date:
🗓️ On or before February 28, 2026
Distribution of rewards will be 10-15% cashback, minus:
3% Cashback awarded instantly at time of purchase
Referral's 1% cashback on referred member's spend bonus awarded instantly at time of purchase
Total Reward Period
Total campaign cap: up to $50,000 USD equivalent (wETH) shared across all eligible participants.
Once this cap is reached, ether.fi may reduce or stop future accrual of Spend, Eat, Earn Rewards, even within the campaign period.
Reward Structure
1. Referrer (Inviting User)
If you invite friends who successfully onboard during the Campaign Window:
You earn 10% cashback on each referral’s eligible January Qualifying Purchases, up to the regional per-user cap (see Regional Limits below).
Your total Spend, Eat, Earn Rewards from all referrals combined is capped at $1,000 USD equivalent in cashback rewards.
2. Referral (Invited User)
If you are invited and sign up during the Campaign Window:
You earn 15% cashback on qualifying purchases made in Approved Merchant Categories during the month of January, 2026. (See Approved Merchant Categories below.)
3. Organic New User
If you organically (not invited) signed up during the Campaign Window:
You earn 10% cashback on qualifying purchases made in Approved Merchant Categories during the month of January, 2026. (See Approved Merchant Categories below.)
How to Qualify
Successful Referral (for Referrer Rewards)
A successful referral is a user who:
Creates an Ether.fi Cash account via your referral link between January 7–31, 2026; and
Successfully completes KYC (identity verification); and
Activates at least one card (physical or virtual).
Only successful referrals count toward:
Your 10% Spend, Eat, Earn Reward on their Earning Window Qualifying Purchases
Qualifying Purchases
For both referrers and referrals, Qualifying Purchases generally means:
Posted (not pending) card purchases made with an ether.fi Cash personal card during the Earning Window (January 7–31, 2026) on restaurant and grocery-related (according to the Approved Merchant Categories) purchases using your Card Account, minus any returns, refunds, or credit adjustments
ether.fi may further define or restrict eligible spend at its discretion.
Approved Merchant Categories
5411
Grocery Stores and Supermarkets
5812
Eating Places and Restaurants
5499
Miscellaneous Food Stores, Convenience Stores and Specialty Markets
5814
Quick Payment Service, Fast Food Restaurants
5813
Drinking Places
5462
Bakeries
Note: Food-delivery apps such as Uber Eats, iFood, etc may not be applicable in some regions.
Regional Cashback Limits
Spend, Eat, Earn Rewards are subject to regional caps per user:
USA
$60 × number of referrals
Canada
$40 × number of referrals
LATAM
$15 × number of referrals
Europe
$40 × number of referrals
Middle East
$60 × number of referrals
APAC
$35 × number of referrals
Africa
N/A
“Max Reward on Referral Spend” refers to the maximum 10% Spend, Eat, Earn Reward the referrer can earn from all referred users in that region, per referral, subject to the overall $1,000 referrer cap and $50,000 campaign cap.
Example:
Albert refers two people: Bianca, who lives in the U.S., and Roger, who lives in Canada.
From Bianca’s spending during the campaign, Albert can earn 10%, capped at $60.
From Roger’s spending during the campaign, Albert can earn 10%, capped at $40.
If your region is not listed or is marked N/A, the promotion may not be available in your Region.
Eligibility
Promotion available only to supported regions where ether.fi Cash is available and where such promotions are permitted by law.
You must:
Have an active ether.fi Cash account in good standing.
Have completed KYC.
Use a personal (non-business) card.
Business or commercial accounts may be excluded from this promotion.
Additional geographic or regulatory restrictions may apply.
Exclusions
The following do not count toward eligible spend or may reduce it:
Cash advances, ATM withdrawals, and similar cash-equivalent transactions.
P2P transfers, money orders, and gambling transactions where restricted.
Refunded, reversed, pending or chargeback transactions.
Fraudulent, abusive, or suspicious activity as determined by ether.fi.
ether.fi may update or refine the exclusions list as required by applicable law or risk policies.
Reward Distribution
Rewards (wETH) are expected to be distributed on or before February 28, 2026, but ether.fi may reasonably adjust this timeline.
Anti-Gaming and Fraud Monitoring
Returned or refunded purchases will reduce your eligible spend and may reduce your cashback.
ether.fi reserves the right to:
Disqualify users exhibiting suspicious, abusive, or fraudulent behavior.
Withhold, reduce, claw back, or cancel rewards if misuse or gaming is suspected.
Block certain account actions (such as email changes) for referred users during or after the campaign for fraud-prevention reasons.
ether.fi’s decisions regarding eligibility, rewards, and disqualifications are final and binding.
Miscellaneous
ether.fi may modify, suspend, or terminate the Spend, Eat, Earn promotion at any time, including changing reward rates, caps, or dates, where permitted by law.
In the event of any conflict between these terms and other communications, these terms will govern.
Participation constitutes acceptance of these terms, the ether.fi Cash terms of use, and any applicable privacy or product policies.
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