High cashbackNo FX
- Cashback
- 4%-5%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Low FXNo CEX
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- Custody
- Hybrid
- Network
- Visa
No CEXUS available
- Cashback
- 5%-10%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Self-custodyMetal card
- Cashback
- 1.5%-6%
- Plan cost
- $20/year
- Custody
- Self Custody
- Network
- Visa
03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Ethena Pay CardOverall87
Whop CardOverall67
Oobit CardOverall74
Tria CardOverall67
Ethena Pay CardOverall87Whop CardOverall67Oobit CardOverall74Tria CardOverall67Scores
6 fields- Overall Score
- Ethena Pay Card87Whop Card67Oobit Card74Tria Card67
- Cashback score
- Ethena Pay Card89Whop Card39Oobit Card70Tria Card45
- Travel score
- Ethena Pay Card68Whop Card58Oobit Card55Tria Card63
- Funds control score
- Ethena Pay Card86Whop Card74Oobit Card78Tria Card91
- Lowest fees score
- Ethena Pay Card87Whop Card56Oobit Card59Tria Card51
- Transfers score
- Ethena Pay Card82Whop Card92Oobit Card65Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Ethena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markupWhop CardSpend Whop revenue before bank payout, Five percent in three business categoriesOobit CardConnected-wallet spending, Phone wallets and contactless ATMTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Ethena Pay CardCard access is still application-gated, One-day payment grace adds liquidation riskWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearOobit CardEvery payment carries a provider fee, Physical card is unclearTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Ethena Pay Card$0Whop CardNot disclosedOobit Card$0Tria Card$20/year
- FX fee
- Ethena Pay Card0–1%Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedOobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twiceTria Card0–3%
- Top-up fee
- Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separateWhop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeTria Card1%
- Card spending fee
- Ethena Pay Card0%Whop Card0%Oobit Card$0.25 + 1%Tria CardNot disclosed
- ATM fee
- Ethena Pay Card$1 + 0.65% where ATM access is available; separate operator surcharge may applyWhop CardATM access, issuer fee and limit are not separately confirmedOobit Card2.5% Oobit fee plus any contactless ATM operator surchargeTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Ethena Pay CardUSD 0Whop CardNot disclosedOobit CardFreeTria Card$20/year Lite membership; issued after payment and KYC
- Physical card
- Ethena Pay CardNot disclosedWhop CardNot disclosedOobit CardNot disclosedTria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Ethena Pay Card3 plans: Standard, Pro, VIPWhop CardNot disclosedOobit CardNot disclosedTria Card3 plans: Lite, Pro, Max
- Top cashback plan
- Ethena Pay CardVIP: 5%Whop CardNot disclosedOobit CardNot disclosedTria CardMax: 6%
Everyday use
8 fields- Network
- Ethena Pay CardVisaWhop CardVisaOobit CardVisaTria CardVisa
- Card formats
- Ethena Pay CardVirtualWhop CardVirtual, PhysicalOobit CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Ethena Pay CardNot disclosedWhop CardNot disclosedOobit CardAvailableTria CardAvailable
- Mobile wallets
- Ethena Pay CardApple PayWhop CardApple Pay, Google PayOobit CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Ethena Pay CardiOS, WebWhop CardiOS, AndroidOobit CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Ethena Pay CardDynamic, based on collateral market valueWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedOobit Card$10,000 daily card-spend limit; account-specific controls may be lowerTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Ethena Pay CardDynamic, based on collateral market valueWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitOobit CardNo universal monthly card-spend limit publishedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Ethena Pay CardNot availableWhop CardATM access and numeric withdrawal limits are unclearOobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Ethena Pay CardEthereum, Polygon, Optimism, ArbitrumWhop CardEthereum, Polygon, Optimism, ArbitrumOobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Ethena Pay CardNot disclosedWhop CardStablecoins: USDTOobit CardNot disclosedTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Ethena Pay CardNot disclosedWhop CardStored payment method top-up, Dynamic bank deposit instructionsOobit CardNot disclosedTria CardNot disclosed
- Transfers
- Ethena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawalWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Oobit CardOobit Pay Friends; Crypto-to-bank payoutTria CardStablecoin transfers
- Payout currencies
- Ethena Pay CardNot disclosedWhop CardUSDOobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Tria CardNot disclosed
Rewards
3 fields- Base cashback
- Ethena Pay Card4%Whop Card0%Oobit Card5%Tria Card1.5%
- Max cashback
- Ethena Pay Card5%Whop Card5%Oobit Card10%Tria Card6%
- Reward currency
- Ethena Pay CardAVAXWhop CardWhop account cash-back creditOobit CardStablecoin rewards or OOB tokenTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Ethena Pay CardUp to 6% APYWhop CardUp to 6% APYOobit CardNot offeredTria CardUp to 15% APY
- How it works
- Ethena Pay CardEarn on spending balanceWhop CardOptional earn vaultOobit CardNot offeredTria CardOptional earn vault
- Separate deposit
- Ethena Pay CardNoWhop CardNoOobit CardNot offeredTria CardNot disclosed
- Use balance for spending
- Ethena Pay CardYesWhop CardNot disclosedOobit CardNot offeredTria CardNot disclosed
- Lock-up
- Ethena Pay CardNoWhop CardNoOobit CardNot offeredTria CardNo
Trust & availability
7 fields- Custody
- Ethena Pay CardHybrid custodyWhop CardHybrid custodyOobit CardHybrid custodyTria CardSelf-custody
- Control until payment
- Ethena Pay CardYou keep controlWhop CardProvider controls fundsOobit CardYou keep controlTria CardYou keep control
- Card issuer
- Ethena Pay CardThird NationalWhop CardThird NationalOobit CardThirdNationalTria CardNimbus, LLC, Third National
- Card processing
- Ethena Pay CardSignify Holdings, Inc. d/b/a RainWhop CardNot disclosedOobit CardNot disclosedTria CardNot disclosed
- Custody / key management
- Ethena Pay CardNot disclosedWhop CardPrivyOobit CardNot disclosedTria CardNot disclosed
- Identity verification
- Ethena Pay CardSumsubWhop CardNot disclosedOobit CardNot disclosedTria CardNot disclosed
- Programme operator
- Ethena Pay CardNot disclosedWhop CardNot disclosedOobit CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Ethena Pay Card13Whop Card20Oobit Card16Tria Card21
- Last reviewed
- Ethena Pay CardOct 6, 2026Whop CardAug 11, 2026Oobit CardOct 6, 2026Tria CardSep 30, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.