Yearly cost at three spending levels
| Monthly spend | ether.fi Cash | Tria |
|---|---|---|
| $500 | ≤ +$162 Core | -$43 Virtual |
| $2,000 | ≤ +$648 Core | -$43 Virtual |
| $5,000 | ≤ +$540 Core | -$43 Virtual |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | ether.fi Cash Core | Tria Virtual |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | Not disclosed | $0 |
| Foreign exchange markup | -$72 | $0 |
| ATM fees | Not disclosed | -$36 |
| Annual, monthly and subscription fees | $0 | -$25 |
| Cashback | +$720 | +$18 |
| Net per year | +$648 | -$43 |
Fees
ether.fi Cash charges Not disclosed to convert or top up and 1.5% on spending in a foreign currency. Tria charges 0% and 0%.
ATM withdrawals: ether.fi Cash not disclosed; Tria 1% + $1.
A virtual card costs nothing with ether.fi Cash and nothing with Tria. A physical card costs an undisclosed fee and nothing.
Cashback and rewards
ether.fi Cash cashback: 3% to 4%. Tria cashback: 1.5% to 6%.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
Tria tiers: Virtual: 1.5% on the first $100 a month; Signature plastic ($109 a year): 4.5% on the first $1,000 a month; Premium metal ($250 a year): 6% on the first $2,000 a month.
ether.fi Cash: Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Above the monthly spend cap the rate drops to 0.5% on the virtual tier and 1% on plastic and metal, which this model does not capture. An active staking badge adds a boost within the cap. Cash withdrawals, transfers, wallet funding, gambling and vouchers earn nothing. The plastic and metal subscriptions below are the extra cost over the $25 virtual membership ($109 and $250 a year in total). Season 3 rates apply from 1 June 2026.
Availability and KYC
ether.fi Cash is offered in 91 countries, including Argentina, Australia, Brazil, Canada, France, Germany, Indonesia, Italy, Malaysia and Mexico. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
Tria is offered in 224 countries and territories and excludes 25.
ether.fi Cash needs full KYC and Tria needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.
ether.fi Cash works with Apple Pay and Google Pay, and Tria works with Apple Pay and Google Pay. Tria issues a virtual card you can use straight away.
Custody and safety
ether.fi Cash scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.
Tria scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Tria's cards work as collateral-backed credit cards at 0% APR. Spending is secured by crypto in the user's own wallet, and a "Liquidation Event" sells collateral if charges go unpaid for one calendar day or the collateral value falls below the balance. International cards are issued by Nimbus, LLC, a Delaware company whose terms link to a privacy notice on legal.raincards.xyz. US cards are issued by "Third National". In Nigeria the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. Tria (Threely Dimensions, Inc.) says it "is not a bank, money services business, card issuer". No proof of reserves applies because Tria holds no customer assets. We found no official enforcement actions or incident reports.
Full reports: ether.fi Cash safety check and Tria safety check.
About each card
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
Tria Card (Global) is a self-custody Visa card from Nimbus, LLC (international cards); Third National (US cards). It tops up with USDT, USDC, BTC and ETH.
Which card fits you
ether.fi Cash fits if
- Its fees and availability match your situation better on the table above.
Tria fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You live outside the US and the handful of countries it excludes.
- You want a higher cashback ceiling (up to 6%).
Read more: ether.fi Cash fees and details · Tria fees and details