Ethena PayEthena Pay
86
Side-by-side card comparison
Ethena Pay vs Tria: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 19 points (86 vs 67). Ethena Pay Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Funds control.
Information checked Sep 1, 202633 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Funds control. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallEthena Pay86Tria67Higher score
CashbackEthena Pay89Tria45Higher score
TravelEthena Pay64Tria62Higher score
Funds controlEthena Pay86Tria91Higher score
Lowest feesEthena Pay87Tria51Higher score
TransfersEthena Pay82Tria63Higher score
Choose Ethena Pay Card if cashback and travel matter most
Ethena Pay Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
Choose Tria Card if funds control matters most
Tria Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Ethena Pay86Tria67
Ethena Pay Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Ethena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FXTria$25/year plan · 0–3% FX
Ethena Pay Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Ethena Pay4% base · up to 5%Tria1.5% base · up to 6%
Ethena Pay Card has the higher published base cashback rate (4% vs 1.5%).
- Funds control
- Ethena PayHybrid custodyTriaSelf-controlled wallet
Ethena Pay Card uses a hybrid custody setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Ethena PayVirtual · Apple PayTriaVirtual + Physical · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Ethena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawalTria2 stablecoins · Stablecoin transfers
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 3).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsEthena Pay CardOverall86Tria CardOverall67
Ethena Pay CardOverall86Tria CardOverall67Scores
6 fields- Overall Score
- Ethena Pay Card86Tria Card67
- Cashback score
- Ethena Pay Card89Tria Card45
- Travel score
- Ethena Pay Card64Tria Card62
- Funds control score
- Ethena Pay Card86Tria Card91
- Lowest fees score
- Ethena Pay Card87Tria Card51
- Transfers score
- Ethena Pay Card82Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Ethena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markupTria 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 riskTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Ethena Pay Card$0Tria Card$25/year
- FX fee
- Ethena Pay Card0% Ethena Pay markup; Visa rate appliesTria Card0–3%
- Top-up fee
- Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separateTria Card1%
- Card spending fee
- Ethena Pay Card0%Tria CardNot disclosed
- ATM fee
- Ethena Pay CardNot availableTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Ethena Pay CardUSD 0Tria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Ethena Pay CardNot disclosedTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Ethena Pay Card3 plans: Standard, Pro, VIPTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Ethena Pay CardVIP: 5%Tria CardPremium: 6%
Everyday use
8 fields- Network
- Ethena Pay CardVisaTria CardVisa
- Card formats
- Ethena Pay CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Ethena Pay CardNot availableTria CardAvailable
- Mobile wallets
- Ethena Pay CardApple PayTria CardApple Pay, Google Pay
- Apps
- Ethena Pay CardiOS, WebTria CardiOS, Android, Web
- Daily spending limit
- Ethena Pay CardDynamic, based on collateral market valueTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Ethena Pay CardDynamic, based on collateral market valueTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Ethena Pay CardNot availableTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Ethena Pay CardEthereum, Polygon, Optimism, ArbitrumTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Ethena Pay CardNot disclosedTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Ethena Pay CardNot disclosedTria CardNot disclosed
- Transfers
- Ethena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawalTria CardStablecoin transfers
- Payout currencies
- Ethena Pay CardNot disclosedTria CardNot disclosed
Rewards
3 fields- Base cashback
- Ethena Pay Card4%Tria Card1.5%
- Max cashback
- Ethena Pay Card5%Tria Card6%
- Reward currency
- Ethena Pay CardAVAXTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Ethena Pay CardUp to 6% APYTria CardUp to 15% APY
- How it works
- Ethena Pay CardEarn on spending balanceTria CardOptional earn vault
- Separate deposit
- Ethena Pay CardNoTria CardNot disclosed
- Use balance for spending
- Ethena Pay CardYesTria CardNot disclosed
- Lock-up
- Ethena Pay CardNoTria CardNo
Trust & availability
6 fields- Custody
- Ethena Pay CardHybrid custodyTria CardSelf-custody
- Control until payment
- Ethena Pay CardYou keep controlTria CardYou keep control
- Card issuer
- Ethena Pay CardThird NationalTria CardNimbus, LLC, Third National
- Card processing
- Ethena Pay CardSignify Holdings, Inc. d/b/a RainTria CardNot disclosed
- Identity verification
- Ethena Pay CardSumsubTria CardNot disclosed
- Programme operator
- Ethena Pay CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Ethena Pay Card12Tria Card21
- Last reviewed
- Ethena Pay CardSep 1, 2026Tria CardAug 25, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 67 for Tria Card. Ethena Pay Card has the lower starting plan cost ($0 vs $25/year). Ethena Pay Card has the higher published base cashback rate (4% vs 1.5%).
Tria Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Ethena Pay Card uses a hybrid custody setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 3). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Ethena Pay Card and Tria Card reviews first.
Continue with
Ethena Pay Card
Continue with
Tria Card
05 · Common questions
Ethena Pay vs Tria FAQ
Is Ethena Pay or Tria better overall?
Ethena Pay Card has the higher Overall Score (86 vs 67). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Ethena Pay or Tria?
Ethena Pay Card has the lower starting plan cost ($0 vs $25/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Ethena Pay or Tria?
Ethena Pay Card has the higher published base cashback rate (4% vs 1.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Ethena Pay and Tria differ on custody?
Ethena Pay Card uses a hybrid custody setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Ethena Pay vs Tria comparison?
The latest information check for these two cards was September 1, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.