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64
Side-by-side card comparison
ARQ vs Tria: overall score versus use-case fit
Tria Card has the higher Overall Score by 3 points (67 vs 64). ARQ Card looks stronger for Lowest fees and Transfers, while Tria Card comes out ahead for Cashback and Funds control.
Information checked Aug 25, 202657 official sources reviewed
01 · Overall score versus use-case fit
Tria Card is the better all-round starting point
Tria Card has the higher Overall Score in this comparison. ARQ Card may be the better fit for Lowest fees and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallARQ64Tria67Higher score
CashbackARQ41Tria45Higher score
TravelARQ62Tria62Same score
Funds controlARQ52Tria91Higher score
Lowest feesARQ52Tria51Higher score
TransfersARQ75Tria63Higher score
Choose ARQ Card if lowest fees and transfers matter most
ARQ Card comes out ahead for Lowest fees and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Tria Card if cashback and funds control matter most
Tria Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- ARQ64Tria67
Tria Card has the higher Overall Score by 3 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXTria$25/year plan · 0–3% FX
ARQ Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- ARQ0% base · up to 2%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- ARQCustodial balanceTriaSelf-controlled wallet
ARQ Card uses a custodial balance setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutTria2 stablecoins · Stablecoin transfers
ARQ Card lists more stablecoins and ways to send money out (6 vs 3).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsARQ CardOverall64Tria CardOverall67
ARQ CardOverall64Tria CardOverall67Scores
6 fields- Overall Score
- ARQ Card64Tria Card67
- Cashback score
- ARQ Card41Tria Card45
- Travel score
- ARQ Card62Tria Card62
- Funds control score
- ARQ Card52Tria Card91
- Lowest fees score
- ARQ Card52Tria Card51
- Transfers score
- ARQ Card75Tria Card63
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- ARQ Card$0Tria Card$25/year
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyTria Card0–3%
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURTria Card1%
- Card spending fee
- ARQ Card0%Tria CardNot disclosed
- ATM fee
- ARQ Card1–3%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- ARQ CardFreeTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- ARQ CardPrestige: 2%Tria CardPremium: 6%
Everyday use
8 fields- Network
- ARQ CardMastercardTria CardVisa
- Card formats
- ARQ CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableTria CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- ARQ CardNot disclosedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- ARQ CardNot disclosedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- ARQ CardNot disclosedTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- ARQ CardUSD receive, EUR receiveTria CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutTria CardStablecoin transfers
- Payout currencies
- ARQ CardUSDTria CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Tria Card1.5%
- Max cashback
- ARQ Card2%Tria Card6%
- Reward currency
- ARQ CardUSDc cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYTria CardUp to 15% APY
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultTria CardOptional earn vault
- Separate deposit
- ARQ CardYesTria CardNot disclosed
- Use balance for spending
- ARQ CardNoTria CardNot disclosed
- Lock-up
- ARQ CardNoTria CardNo
Trust & availability
4 fields- Custody
- ARQ CardCustodialTria CardSelf-custody
- Control until payment
- ARQ CardProvider controls fundsTria CardYou keep control
- Card issuer
- ARQ CardNot disclosedTria CardNimbus, LLC, Third National
- Programme operator
- ARQ CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- ARQ Card36Tria Card21
- Last reviewed
- ARQ CardAug 5, 2026Tria CardAug 25, 2026
04 · The trade-off
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 versus 64 for ARQ Card. ARQ Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
ARQ Card still comes out ahead for Lowest fees and Transfers, which may matter more than the overall result if that is how you plan to use the card. ARQ Card uses a custodial balance setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
ARQ Card lists more stablecoins and ways to send money out (6 vs 3). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ARQ Card and Tria Card reviews first.
Continue with
ARQ Card
Continue with
Tria Card
05 · Common questions
ARQ vs Tria FAQ
Is ARQ or Tria better overall?
Tria Card has the higher Overall Score (67 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ARQ or Tria?
ARQ Card has the lower starting plan cost ($0 vs $25/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ARQ or Tria?
Tria Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and Tria differ on custody?
ARQ Card uses a custodial balance setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.