# Spend, Eat, Earn

<figure><img src="/files/i3rUQrAwr2NTt5NUNoYD" alt=""><figcaption></figcaption></figure>

## **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](/etherfi/ether.fi-legal/promo-terms-and-conditions.md).

## **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.&#x20;

* New **organic users** that join between Jan 7 - February 15 get 10% off food-related purchases.&#x20;
* Newly **referred** **users** that join between Jan 7 - February 15 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**

🗓️ **January 7, 2026**, 12:00 AM UTC **–  February 15, 2026**, 11:59 PM UTC

A referral is considered successful only if the referred account is created during this period. Only qualifying purchases completed during this period are eligible for rewards.

***

## **Rewards Distribution:**

**🗓️ On or before March 31, 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 **$100,000 USD** **equivalent (USDC)** shared across all eligible participants.
* Once this cap is reached, [ether.fi](http://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 and February 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 **$5,000 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 months of January and February, 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 months of January and February, 2026. (See **Approved Merchant Categories** below.)

***

## **How to Qualify**

#### Successful Referral (for Referrer Rewards)

A successful referral is a user who:

1. Creates an Ether.fi Cash account via your referral link between January 7– February 28, 2026; and
2. Successfully completes KYC (identity verification); and
3. Activates at least one card (physical or virtual).

Only successful referrals count toward:&#x20;

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](http://Ether.fi) Cash personal card during the **Earning Window** (January 7 – February 28, 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](http://Ether.fi) may further define or restrict eligible spend at its discretion.

#### Approved Merchant Categories

<table><thead><tr><th width="197.6015625">Category Code</th><th>Category Name</th></tr></thead><tbody><tr><td>5411</td><td>Grocery Stores and Supermarkets</td></tr><tr><td>5812</td><td>Eating Places and Restaurants</td></tr><tr><td>5499</td><td>Miscellaneous Food Stores, Convenience Stores and Specialty Markets</td></tr><tr><td>5814</td><td>Quick Payment Service, Fast Food Restaurants</td></tr><tr><td>5813</td><td>Drinking Places</td></tr><tr><td>5462</td><td>Bakeries</td></tr></tbody></table>

Note: Food-delivery apps such as Uber Eats, iFood, etc may not be applicable in some regions.&#x20;

***

## Regional Cashback Limits

**Spend, Eat, Earn** Rewards are subject to regional caps per user:

<table><thead><tr><th width="150.9425048828125">Region</th><th>Max Reward on Referral Spend (USD equivalent)*</th></tr></thead><tbody><tr><td>USA</td><td>$60 × number of referrals</td></tr><tr><td>Canada</td><td>$40 × number of referrals</td></tr><tr><td>LATAM</td><td>$15 × number of referrals</td></tr><tr><td>Europe</td><td>$40 × number of referrals</td></tr><tr><td>Middle East</td><td>$60 × number of referrals</td></tr><tr><td>APAC</td><td>$35 × number of referrals</td></tr><tr><td>Africa</td><td>N/A</td></tr></tbody></table>

“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:&#x20;

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](http://Ether.fi) Cash is available and where such promotions are permitted by law.
* You must:
  * Have an active [ether.fi](http://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](http://Ether.fi).

[ether.fi](http://Ether.fi) may update or refine the exclusions list as required by applicable law or risk policies.

## **Reward Distribution**

* Rewards (USDC) are expected to be distributed on or before **February 28, 2026**, but [ether.fi](http://Ether.fi) may reasonably adjust this timeline.&#x20;

## **Anti-Gaming and Fraud Monitoring**

* Returned or refunded purchases will **reduce** your eligible spend and may reduce your cashback.
* [ether.fi](http://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](http://Ether.fi)’s decisions regarding eligibility, rewards, and disqualifications are **final and binding**.

## Miscellaneous

* [ether.fi](http://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](http://Ether.fi) Cash terms of use, and any applicable privacy or product policies.


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