ether.fi Cash vs Tria Card (August 2026)
Tria wins narrowly at exactly $1,000/month and ether.fi Cash wins basically everywhere else — at lower spend, at higher spend, and by a wide margin if you spend abroad, because Tria charges 3% FX and ether.fi charges at most 0.5%.
Last verified: 2026-07-23
Head to head, computed
Both cards run through the same engine at three spend levels in US — the region they both actually operate in — with no foreign-currency spend. Each cell shows the best tier that card can reach at that spend.
| Monthly spend | ether.fi Cash | Tria Card | Winner |
|---|---|---|---|
| $500 | 3.00%$15/mo · Core | 2.68%$13/mo · Signature | ether.fi Cash |
| $1,000 | 3.00%$30/mo · Core | 3.92%$39/mo · Premium | Tria Card |
| $5,000 | 3.00%$150/mo · Luxe | 2.58%$129/mo · Premium | ether.fi Cash |
The engine assumes you can reach whichever tier is cheapest overall — including tiers gated behind loyalty points or a subscription — and charges that tier's cost against the reward. Where a tier's eligibility isn't publicly documented, that's stated on the card's own review. Full rules at /methodology.
Which one wins, and when
Under $1,000/month
ether.fi CashTria's Premium tier can't justify its $250/year fee at low spend, so it drops to Signature and lands under 3%. ether.fi's Core tier pays a clean 3% from the first dollar with no fee to amortise.
Right around $1,000/month
TriaThis is Tria's sweet spot and the only place it leads: 6% on the first $2,000/month is enough to absorb the $250/year fee and still clear ether.fi's flat 3%.
$5,000/month and up
ether.fi CashTria's 6% band stops at $2,000/month and everything above earns 1%, dragging the blended rate down. ether.fi's higher tiers keep the 3% band running much further.
Heavy foreign-currency spend
ether.fi CashTria charges a flat 3% FX fee on every tier — the highest confirmed in the dataset. On half your spend abroad that's 1.5 percentage points straight off the top, which is most of the gap between these two.
You want stablecoin rewards and self-custody
EitherBoth are self-custody and both pay in a stablecoin — USDC for ether.fi, USDT for Tria. Neither carries reward-asset price risk, which is genuinely unusual in this category.
Where to go next
FAQ
Is Tria's 6% cashback better than ether.fi's 3%?
Only at a specific spend level. Tria's 6% applies to the first $2,000/month and comes with a $250/year Premium fee; ether.fi's 3% has no fee at all at the entry tier. Once you price both in, Tria leads around $1,000/month and loses above and below it.
Which is better if I spend abroad?
ether.fi Cash, and it isn't close. Tria charges 3% FX across every tier. ether.fi charges 0.5% on Core and less on higher tiers.
Do either of these require staking?
Neither requires a fixed dollar lockup to use. ether.fi's higher tiers unlock through Club Loyalty Points, which accrue from staked balances and card spend combined — ether.fi doesn't publish a threshold, so this site doesn't invent one.
Compare against every other card at your own spend on the calculator, or see all comparisons.