Tria Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Tria Card self_custodialvisa	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	—	4.5/5
Fees
Monthly Fee	—	Free (all tiers)
Issuance Fee	No separate fees (included in annual membership)	See card_tiers
Rewards
Max Cashback	6%	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Industry-leading cashback rates up to 6% with no spending caps True self-custody model - users maintain control of private keys Zero Tria fees on crypto conversions with AI-powered routing High spending limits ($1M daily) across all tiers	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
Cons	Requires 100% collateral in crypto assets for spending Each transaction may constitute a taxable event Cashback paid in TRIA tokens introduces performance risk Relatively new platform with startup risks	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending