> For the complete documentation index, see [llms.txt](https://etherfi.gitbook.io/etherfi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://etherfi.gitbook.io/etherfi/legal/ether.fi-legal/ether.fi-cash-cashback-rewards-program-u.s.-and-international.md). # ether.fi Cash Cashback Rewards Program (U.S. and International) Last Updated: September 11, 2026 These Cashback Rewards Program Terms and Conditions ("Terms") govern the Cashback Rewards Program (the "Cashback Program") that is part of your Account ("Account"). The Cashback Program is offered by Ether.Fi Cash Inc. and Ether.Fi Cash Ltd. ("Provider") and is subject to these Terms. These Terms supplement your Ether.Fi Cash Cardholder Agreement with the Provider and together constitute the entire agreement between you and Provider regarding the Cashback Program. Issuer of your card does not have any affiliation with the Cashback Program. Use of your Account constitutes your acceptance of these Terms. In the event of any conflict between these Terms and the Ether.Fi Cash US Card Agreement, the Ether.Fi Cash International Card Agreement, or the Ether.Fi Cash Corporate Card Agreement (“the Applicable Card Agreement"), the Applicable Card Agreement shall govern except for matters specifically related to the Cashback Program, in which case these Terms shall govern. All capitalized terms not defined herein shall have the meaning set forth in the Ether.Fi Cash Cardholder Agreement. 1. **ELIGIBILITY** To be eligible to earn Cashback Rewards via the Cashback Program, you must have an active Card and maintain your Account in good standing in accordance with the terms of your Card Agreement. Provider may, in its sole discretion, determine whether your Account is in good standing for purposes of the Cashback Program. 2. **CASHBACK REWARDS EARNING** **a. Qualifying Transactions:** If you are not a corporate card holder, you will earn Cashback Rewards on eligible purchases of goods and services made for personal, family, or household purposes using your Account, minus any returns, refunds, or credit adjustments (“Qualifying Transactions”). Cashback Rewards percentages are subject to change from time to time in Provider's sole discretion, any may vary between users based on a user's region or membership level. Current Cashback Rewards percentages and other relevant terms will be reflected in your Cash Account user interface, or disclosed [here](https://help.ether.fi/en/articles/262374-how-does-cashback-work). Cashback Rewards percentages for corporate card holders are disclosed [here](https://www.ether.fi/corporate-cards). From time to time, promotional rewards may be offered on Qualifying Transactions (“Promotional Rewards”), which may increase the total percentage of Cashback Rewards received by you. Promotional Rewards are subject to these Terms. **b. Excluded Transactions:** The following transactions are not Qualifying Transactions and do not earn Cashback Rewards: ATM withdrawals, peer-to-peer payments (such as, by way of example, Apple Pay Cash or Google Pay), currency exchange service providers, tax payments, person-to-person transfers, the purchase of gift cards and the purchase of money orders or other cash equivalents, even if used to purchase goods or services. Transactions at specific merchants may be excluded from the Cashback Rewards if, in Provider’s sole discretion, they have been used in a manner inconsistent with the Program or these Terms. Provider reserves the right, at its sole discretion, to evaluate and modify any merchant’s Cashback Rewards eligibility at any time. **c. Beginning to Earn:** You begin earning Cashback Rewards when you open an Account, activate your Card, and begin making Qualifying Transactions. **d. Provider Discretion:** Provider reserves the right, at its sole discretion, to grant Cashback Rewards via the Program even if you did not make a Qualifying Transaction. **e. Cashback Rewards:** You will earn Cashback Rewards in the form of tokens (or other digital assets as determined by Ether.fi in its sole discretion) on Qualifying Transactions. The USD value of the Cashback Rewards will be determined at the time of the Qualifying Transaction using on-chain price oracles or other reliable pricing data sources available to Ether.fi in its sole discretion; the amount of tokens received as Cashback Rewards will be determined based on the USD value of the Cashback Reward and the token's market price at the time the Cashback Reward is no longer pending as set forth in Section 3(b). The USD value of Cashback Rewards claimable under Section 3(b) may fluctuate with token market prices. Ether.fi reserves the right to change the reward token type, pricing methodology, or payout frequency in its sole discretion, and will notify users in the event of such changes. **f.** Provider may, in its sole discretion, limit the maximum Cashback Rewards a user may earn per month. 3. **CASHBACK REWARDS TRACKING AND REDEMPTION** **a. Rewards Tracking:** The Cashback Rewards you have earned will be shown when you login to your Account. This may show your monthly Cashback Rewards earned and accrued to a claimable balance associated with your Account. **b. Rewards Availability:** Cashback Rewards for Qualifying Transactions may accrue to a claimable balance associated with your Account following the processing described in Section 3(e), and may not be credited to your Account automatically. You may need to affirmatively claim accrued Cashback Rewards in your Account. After your Qualifying Transaction is fully completed or settled and no longer pending, in Provider's sole discretion, your Cashback Rewards will be available to claim after a period of time as Provider may determine, as shown in your Account's user interface or posted by Provider on its website and documentation. Cashback Rewards claiming processes are subject to change from time to time in Provider's sole discretion, any may vary between users based on a user's region or membership level. **c. Rewards Receipt:** As long as your Account is open and in good standing and you are not in violation of the Card Agreement, once you claim an accrued Cashback Rewards balance in accordance with Section 3(b) and 3(f), the amounts earned will be reflected in your Account balance. **d. Reversals:** Cashback Rewards may be reversed if a transaction for which rewards were issued is later refunded, canceled, or reversed through a merchant credit or chargeback. In such cases, we may debit your account, reduce future rewards, or reduce the refund amount by the USD-equivalent value of the rewards at the time of the original transaction. These adjustments may be made automatically and without prior notice, unless otherwise required by law. **e. Processing:** Cashback Rewards may be calculated based on non-pending, settled Qualifying Transactions. Pending transactions do not earn Cashback Rewards until they are fully processed; Cashback Rewards are considered pending until the Qualifying Transaction is completed or fully settled, as determined by Provider in its sole discretion. The calculated amount may then accrue to your claimable Cashback Rewards balance, in accordance with Section 3(b). **f.** **Claim Threshold: You may claim an accrued Cashback Rewards balance once its USD-equivalent value reaches an amount determined by Provider in its sole discretion from time to time, calculated using the pricing methodology described in Section 2(e) at the time you attempt to claim. Because that value is measured against market prices, any token quantity required to reach the threshold, and whether a given balance is currently eligible to claim, will vary with price.** Eligibility to claim is assessed at the time of your claim attempt; a balance that previously reached the threshold but has since fallen below it due to market fluctuation or or change in the threshold amount may not be eligible to claim until it reaches the threshold again. **g. Expiry:** Any accrued Cashback Rewards balance that is not claimed within the earlier of (i) six (6) months from the date it accrued, and (ii) if your account has been inactive for six (6) consecutive months, six (6) months from the date the applicable Cashback Rewards accrued, may automatically expire and be forfeited, and the corresponding Rebate may revert to the Foundation. **h. Account Closure or Restriction:** If your Account is closed, any accrued Cashback Rewards balance that has not been claimed on the closure date may be forfeited. If your Account is suspended or otherwise restricted but not closed, any accrued Cashback Rewards balance may remain outstanding and may still be claimed once the suspension or restriction is lifted, provided the balance has not already expired under Section 3(g). Where the restriction arises because Provider believes, in its sole discretion, that permitting a claim would violate these Terms or applicable law or regulation, including but not limited to economic sanctions, anti-money money laundering, or export control laws, any accrued but unclaimed reward will expire under Section 3(g). 4. **REWARDS ERRORS AND DISPUTES** **a. Error Reporting:** It is your responsibility to notify Provider in the event you do not receive your Cashback Rewards or believe there is an error. If your Cashback Rewards have not posted correctly or for further details, please contact Customer Service at . **b. Time to Report:** You must notify Provider of any suspected errors in the Cashback Program within sixty (60) days of the date of the statement on which the suspected error appeared. **c. Investigation:** Provider will investigate any reported errors and will correct any errors that Provider confirms within a reasonable time. 5. **TAX IMPLICATIONS** You understand that you are responsible for determining and obtaining appropriate tax treatment for any Cashback Rewards you redeem, and you are solely responsible for any tax liability arising from or related to any earned Cashback Rewards. Provider will not report any income or earnings related to Cashback Rewards to a taxing authority, except where expressly required by law. 6. **ACCOUNT STANDING** If your Account is not in good standing (for example, if your Account is overdrawn) or you are otherwise in violation of the Card Agreement, Provider reserves the right to apply the value of your Cashback Rewards to offset any outstanding overdraft in your Account. 7. **RELATED ACCOUNTS** **a. Required Accounts:** Depending on your region, you may be required to maintain a personal current account with us to earn Cashback Rewards on your Account. **b. Closing Related Accounts:** If we see that you've closed your required current Account, we'll contact you and give you 60 days to reopen the Account before we stop your cashback. If you don't reopen your required Account within 60 days, we'll stop your cashback. If you reopen a required Account after the 60-day period, your cashback eligibility will not automatically be reinstated. 8. **FRAUD AND PROGRAM MISUSE** **a. Prohibited Conduct:** In Provider's sole discretion, Provider may suspend or terminate your Account or prohibit you from earning Cashback Rewards or using Cashback Rewards you have already earned if: i. Provider suspects that you have engaged in fraudulent activity related to your Account or the Cashback Program; or ii. Provider suspects or determines that you have misused the Cashback Program in any way, as determined by Provider in its sole discretion, including but not limited to engaging in excessive refunds associated with purchases for the purposes of generating Cashback Rewards. **b. Duration:** Any suspension may be temporary or permanent at Provider's sole discretion. **c. Transaction Disqualification:** Provider reserves the right to disqualify transactions that are not usual, customary, or, in Provider's sole discretion, structured or intended to abuse the Cashback Program. This could include, for example, but not limited to, small dollar transactions conducted on the same day at a single merchant (or multiple transactions in a short period of time). Abuse of the Cashback Program may result in the Account being suspended or closed. **d. Rewards Forfeiture:** Unclaimed Cashback Rewards will be forfeited if upon closing your Account. **e. Card Loss or Theft:** If your Account is suspended or closed due to your Ether.Fi card being lost or stolen, you will not lose the cashback you've earned but hasn't been added to your account yet. Your Cashback Rewards, however, remain subject to Section 3(g). **f. Reward Reversal due to Fraud or Program Misuse:** Provider may review your activities at any time for compliance with these terms and has the sole discretion to withhold, reverse, or reclaim any rewards earned in violation of these terms, including debiting your account, reducing future Cashback Rewards, or reducing a refund amount by the USD-equivalent value of the Cashback Rewards at the time of the original transaction. 8. **PROGRAM CHANGES AND TERMINATION** **a. Program Modifications:** Provider may modify the Cashback Program and any associated terms and conditions, including, without limitation, the rate of Cashback Rewards earnings, the types of Qualifying Transactions, the Cashback Rewards cap, the method by which Cashback Rewards are calculated, how Cashback Rewards are earned and/or redeemed, and any maximum or minimum Cashback Rewards amounts you can earn, at any time. We'll give you at least 30 days' notice if we're going to do this. But if the change is to your advantage, we might make the change immediately and tell you about it within 30 days after we make the change. **b. Program Termination:** Provider may terminate the Cashback Program at any time. If the Card Agreement is terminated, these Terms will also immediately terminate. **c. Notice:** Provider may update these Terms with at least 30 days' notice to you by posting an updated version of these Terms at any time. We'll do this by post, email, on your statement, or as an eDocument you can see in Online. Continued participation in the Cashback Program after any change constitutes your agreement to be bound by any such changes. **d. Termination Effects:** If the Cashback Program is terminated, all Cashback Rewards that have not been credited to your Card Account at the time of termination may be forfeited. **BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT.**
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