ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Tria: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 19 points (86 vs 67). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Tria Card may still be the better personal fit.
Information checked Oct 6, 202658 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Tria Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
Overallether.fi Cash86Tria67Higher score
Cashbackether.fi Cash84Tria45Higher score
Travelether.fi Cash82Tria63Higher score
Funds controlether.fi Cash96Tria91Higher score
Lowest feesether.fi Cash65Tria51Higher score
Transfersether.fi Cash100Tria63Higher score
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
Choose Tria Card if its day-to-day setup suits you
Tria Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ether.fi Cash86Tria67
ether.fi Cash Card has the higher Overall Score by 19 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.5% FXTria$20/year plan · 0–3% FX
ether.fi Cash Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- ether.fi Cash3% base · up to 4%Tria1.5% base · up to 6%
ether.fi Cash Card has the higher published base cashback rate (3% vs 1.5%).
- Funds control
- ether.fi CashNon-custodial accountTriaSelf-controlled wallet
ether.fi Cash Card uses a non-custodial account 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
- ether.fi CashVirtual + Physical · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Tria2 stablecoins · Stablecoin transfers
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 3).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
- Cashback
- 1.5%-6%
- Plan cost
- $20/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
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
Cardsether.fi Cash CardOverall86Tria CardOverall67
ether.fi Cash CardOverall86Tria CardOverall67Scores
6 fields- Overall Score
- ether.fi Cash Card86Tria Card67
- Cashback score
- ether.fi Cash Card84Tria Card45
- Travel score
- ether.fi Cash Card82Tria Card63
- Funds control score
- ether.fi Cash Card96Tria Card91
- Lowest fees score
- ether.fi Cash Card65Tria Card51
- Transfers score
- ether.fi Cash Card100Tria Card63
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediatelyTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Tria Card$20/year
- FX fee
- ether.fi Cash Card0–0.5%Tria Card0–3%
- Top-up fee
- ether.fi Cash CardNot disclosedTria Card1%
- Card spending fee
- ether.fi Cash CardNot disclosedTria CardNot disclosed
- ATM fee
- ether.fi Cash CardNot disclosedTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- ether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.Tria Card$20/year Lite membership; issued after payment and KYC
- Physical card
- ether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.Tria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPTria Card3 plans: Lite, Pro, Max
- Top cashback plan
- ether.fi Cash CardVIP: 4%Tria CardMax: 6%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaTria CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableTria CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebTria CardiOS, Android, Web
- Daily spending limit
- ether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- ether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.Tria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Tria CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Tria CardStablecoin transfers
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Tria CardNot disclosed
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Tria Card1.5%
- Max cashback
- ether.fi Cash Card4%Tria Card6%
- Reward currency
- ether.fi Cash CardETHFI token cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.47% APYTria CardUp to 15% APY
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultTria CardOptional earn vault
- Separate deposit
- ether.fi Cash CardNot disclosedTria CardNot disclosed
- Use balance for spending
- ether.fi Cash CardNot disclosedTria CardNot disclosed
- Lock-up
- ether.fi Cash CardNot disclosedTria CardNo
Trust & availability
5 fields- Custody
- ether.fi Cash CardNon-custodialTria CardSelf-custody
- Control until payment
- ether.fi Cash CardYou keep controlTria CardYou keep control
- Card issuer
- ether.fi Cash CardThird NationalTria CardNimbus, LLC, Third National
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerTria CardNot disclosed
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- ether.fi Cash Card37Tria Card21
- Last reviewed
- ether.fi Cash CardOct 6, 2026Tria CardSep 30, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 versus 67 for Tria Card. ether.fi Cash Card has the lower starting plan cost ($0 vs $20/year). ether.fi Cash Card has the higher published base cashback rate (3% vs 1.5%).
Tria Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ether.fi Cash Card uses a non-custodial account 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.
ether.fi Cash Card lists more stablecoins and ways to send money out (12 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 ether.fi Cash Card and Tria Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Tria Card
05 · Common questions
ether.fi Cash vs Tria FAQ
Is ether.fi Cash or Tria better overall?
ether.fi Cash 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, ether.fi Cash or Tria?
ether.fi Cash Card has the lower starting plan cost ($0 vs $20/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, ether.fi Cash or Tria?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash and Tria differ on custody?
ether.fi Cash Card uses a non-custodial account 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 ether.fi Cash vs Tria comparison?
The latest information check for these two cards was October 6, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.