Pinnacle

Rewards · first band

3% on first $50,000/month eligible spend

Foreign-currency fee

Base FX ~1%; no added margin

Card issuance fee

Included metal card and shipping

Maintenance / subscription

Optional Fast-Track $999/year; confirm annual charges for points/assets access

Direct Pay · USDC / LiquidUSD

Complete account KYC. If prompted, review the required top-up or applicable virtual-card charge.

Before you apply

All seven covered countries, including South Korea, appear on the official availability list. Individual KYC and delivery conditions still apply. Borrow Mode adds interest and collateral risk.

Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.

Cancellations, refunds and support

Request the refund from the merchant and keep its reference. Pending is an authorization hold, Cleared is settled, and Pending Refund is still returning; confirm completion through the separate credit transaction.

How long does it take?

Merchant-cancelled holds: within 48 hours. Refund guidance lists merchant processing 1–7 days, network processing 3–5 business days and international refunds up to 10 business days; escalate 15 business days after merchant confirmation.

Where is it returned?

Settlement is USD-based, using the refund settlement FX rate. The reviewed guide does not name one fixed refund token: inspect the Vault credit; Borrow Mode refunds enter the main balance and do not automatically repay debt.

Cancellation and subscriptions

Use Cards → Edit Card → Freeze Card for a temporary block. Ask support about permanent card closure and cancel merchant subscriptions with each service; freezing the card does not confirm cancellation of a subscription contract.

Declined or unfamiliar transactions

Open the decline reason in transaction history and check balance, card details and merchant restrictions. In Borrow Mode, check borrowing power too; send support the date, amount and merchant if it persists.

What to prepare for support

Use live chat at help.ether.fi or support@ether.fi with the transaction date, amount, merchant and refund reference.

Brand and custody

Card issuer / operator

Official confirmation needed

Custody of funded balances

Personal non-custodial wallet described in the Terms: the card issuer does not hold or control its assets.

Use Cards → Edit Card → Freeze Card to freeze immediately. Borrow Mode adds interest and collateral risk; account protection is not deposit insurance and has eligibility, claim review and coverage limits.