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Ethena Pay vs Tria Card

Ethena Pay scores higher on the G2M score: 83/100 against 69/100 (#1 and #7 of 26 cards). Pick Ethena Pay for cashback and a lower annual fee; pick Tria Card for a lower FX fee and more countries.

Ethena Pay83

#1 of 26 · 4% to 5% back · annual fee none

Get EthenaRead the review
Tria Card69

#7 of 26 · 1.5% to 6% back · annual fee $20

Get TriaRead the review

The short answer

  • Ethena Pay scores higher on the G2M score: 83/100 against 69/100 (#1 and #7 of 26 cards).
  • Ethena Pay pays more cashback on its entry tier: 4% against 1.5%. Higher tiers go up to 5% on Ethena Pay and 6% on Tria Card.
  • Ethena Pay has no annual fee; Tria Card costs $20 a year.
  • Tria Card charges less on foreign currency: a 0% FX fee against 1%.
  • Tria Card is confirmed in more countries: 229 against 48. Of the markets we check for every card, only Tria Card is confirmed in United States, United Kingdom and EU / EEA.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Ethena Pay
Tria Card
G2M score
83 (better)
69
Base cashback
4% (better)
1.5%
Max cashback
5%
6% (better)
Paid in
AVAX, daily
Not published
Annual fee
Free (better)
$20
FX fee
1%
0% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal
Pro and Max: up to $750 a day, fee not published. No ATM access on Lite.
Network
Visa
Visa
Card type
Spend
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical, metal
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
No
Yes
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
48
229
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
Not confirmed
No
Buy and sell crypto with fiat
Buy and sell
No
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Standard · Pro · VIP
Lite · Pro · Max
Perks
Works on Arbitrum, Ethereum, Optimism and Polygon · 5% a year on your balance, up to $5,000, paid daily in USDe · 6% a year on your balance, up to $100,000, paid daily in USDe · 6% a year on your balance, up to $1,000,000, paid daily in USDe
Price protection up to $2,000 · Purchase protection up to $10,000 · Spend up to $1M a day on Pro and Max · Virtual Visa Platinum card · 1.5% with no cap on Tria Travel (hotels, rentals; not flights)

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Ethena Pay or Tria Card?

Ethena Pay scores higher on the G2M score: 83/100 against 69/100 (#1 and #7 of 26 cards). Pick Ethena Pay for cashback and a lower annual fee; pick Tria Card for a lower FX fee and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Ethena Pay or Tria Card?

Ethena Pay has no annual fee; Tria Card costs $20 a year. Tria Card charges less on foreign currency: a 0% FX fee against 1%.

Which pays more cashback, Ethena Pay or Tria Card?

Ethena Pay pays more cashback on its entry tier: 4% against 1.5%. Higher tiers go up to 5% on Ethena Pay and 6% on Tria Card.

Which works in more countries, Ethena Pay or Tria Card?

Tria Card is confirmed in more countries: 229 against 48. Of the markets we check for every card, only Tria Card is confirmed in United States, United Kingdom and EU / EEA.

Who holds my funds with Ethena Pay and Tria Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.