ether.fi Cash vs Tria
Two cards for on-chain natives. ether.fi pays a flat 3% in wETH with no fees; Tria spans 1,000+ assets across 200+ chains with up to 6% on paid tiers and a 10% APY vault.
Quick verdict
Both keep you in control of your assets. ether.fi Cash is the simpler, free option — 0%/1% FX, a flat 3% cashback in wETH, no annual fee. Tria is the multi-chain power tool — spend any of 1,000+ assets across 200+ chains directly and earn up to 6% plus up to 10% APY on stablecoins, but you pay $20–$225/yr and it is restricted in several countries (including the US and India).
Side-by-side
| ether.fi Cash | Tria | |
|---|---|---|
| FX Fees | 0% on USD & EUR · 1% on other currencies | 0% on USD · 1.6% on other currencies |
| Payback | 3% cashback for all cards, paid in wETH | 1.5% cashback, up to 6% on paid premium tiers |
| Annual Fee | Free | $20/yr Virtual · $90/yr Signature · $225/yr Premium |
| Physical Card | Metal card + virtual | Metal Signature card + instant virtual |
| Custody | Non-custodial | Self-custodial |
| Supported Currencies | Settles in USD & EUR · funded from ETH & stablecoins | 1,000+ assets across 200+ chains, settles USD |
| Region | Global (most regions) | Not available in US, Russia, Turkey, India, Vietnam, Israel, Ukraine |
Verdict by dimension
Custody
Tie in spirit — ether.fi is non-custodial, Tria self-custodial; both keep assets in your wallet.
FX Fees
ether.fi wins slightly — 1% on other currencies vs Tria's 1.6% (both 0% on USD).
Cashback
ether.fi's flat 3% beats Tria's 1.5% base; Tria's up-to-6% needs a paid tier and vests over time.
Annual Fee
ether.fi wins — free vs Tria's $20–$225/yr.
Asset & chain support
Tria wins decisively — 1,000+ assets across 200+ chains vs ether.fi's ETH/stablecoin funding.
Availability
ether.fi serves more regions; Tria is unavailable in the US, India, Russia, Turkey, Vietnam, Israel and Ukraine.
Choose ether.fi Cash if…
you want zero cost and a flat high cashback rate, and you mostly hold ETH or stablecoins and spend USD/EUR.
Choose Tria if…
you hold assets spread across many chains and want to spend them without bridging, and your spend justifies the annual fee.