ether.fi Cash vs Tria Card
Side by side at your spend: what each card pays back after fees and FX, where you can get it and what it includes.
a month in
All amounts in US dollars
Tria Card pays back $39.17 more a month than ether.fi Cash at this spend.
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| Detail | ether.fi Cash | Tria Card |
|---|---|---|
| Plan at this spend | Core | Max (Metal) |
| Paid in | ETHFI | USDT |
| FX on your spend | 0% | 0% |
| Yearly fee | $199 or $999 | $20, $109 or $250 |
| Network | Visa | Visa |
| Card type | Credit | Prepaid |
| Custody | Self-custody | Self-custody |
| Available in | US, UK, EU, Canada, Australia, Asia-Pacific, Elsewhere | US, UK, EU, Canada, Australia, Asia-Pacific, Elsewhere |
| Perks | Lounge access, Travel insurance, Purchase protection, Concierge, Discounts & offers, Earn yield, Borrow vs crypto, Metal card | Lounge access, Earn yield, Metal card |
Tria CardGeneral information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
ether.fi Cash
- 3% cashback on the first $2,000/mo (Core), scaling to $10k (Luxe) / $50k (Pinnacle), and 4% on VIP
- Self-custodial: spend from your own Safe vault
- Collateral keeps earning staking yield via Borrow Mode
- Cashback is now paid in ETHFI, a volatile token, rather than the USDC it previously credited
- Cashback rate steps down sharply above the 3% band (1% then 0.5%)
Tria Card
- Up to 6% cashback on the top tier (first $2,000/mo)
- No fees on US-dollar purchases
- Cashback paid in liquid USDT on Arbitrum, no vesting (Season 3, June 2026)
- Boosted rate only applies up to the monthly cap; spend above drops to 0.5%/1%
- Purchases outside US dollars pay a 0.5% Tria fee on top of Visa's 1% FX fee: about 1.9% over the market rate all in, in our own test
More: other comparisons, every card at your spend, or the cashback list.