Why it stands out
- Card spend is linked to Tria's wallet model, not a CEX account.
- Physical, virtual, Apple Pay and Google Pay access are modeled.
- Signature and Premium raise full-rate spend caps and add physical-card perks.
Tria Virtual CardStandard card design
Crypto-backed Visa credit card
Tria Card
A self-custodial wallet-linked Visa with paid tiers, crypto top-ups and tiered stablecoin cashback. Card terms still use linked-wallet collateral and liquidation language, while funding, FX and ATM costs can include separate provider, network or programme charges.
0% Tria FXSelf-custodyMetal cardTiered rewardsBTC depositsCrypto-native
The provider names example markets including Australia, Canada, Germany, Hong Kong, UAE, United Kingdom, United States; the exact current country list and document eligibility must be checked in the app.
Main trade-offs
- The Virtual tier has an annual fee, so entry starts paid.
- Top-ups may add provider fees; Visa FX and local ATM fees sit outside Tria fees.
- The 6% / 10% / 15% ceilings are tier ads; live vault APY and TRIA boosts vary.
01 · Core economics
Costs that matter
Start with the recurring plan cost, funding, FX and cash-access fees. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Monthly plan$25/yearNo recurring monthly plan fee in the approved offer
Top-upTria 0%; provider varies; terms up to 1%Tria's direct fee, the variable provider quote and the programme-term ceiling are separate cost layers.
Foreign exchange0% Tria FX fee; Visa FX may applyTria lists no fee of its own; Visa conversion or exchange-rate costs may still apply.
ATM withdrawal$1 + 1%This is Tria's current withdrawal fee; local ATM operator charges may still apply.
Physical card$109-$250Depends on tier
Limits and secondary feesLimits and other fees
Daily card spendDynamic / collateral-based; marketing claims up to $1,000,000/dayListed
Monthly card spendDynamic / collateral-based; marketing claims up to $1,000,000/dayListed
ATM limit$750/withdrawal; 3 withdrawals/24hListed
Account depositUnknownListed
02 · Plans & rewards
Tiered stablecoin cashback
Cashback is batched, not instant. Tria's help centre describes quarterly payouts and waits up to 90 days; a May 2026 batch covered spend through January 31. The terms retain an outer limit of 12 months after the cashback period.
Lowest approved purchase reward rate
Conditional — not the automatic rate
USDC and/or USDT stablecoins cashback
Highest standard tier threshold; spend above it earns the lower tier rate
Memberships
Upgrade
$25/yrVirtual
Visa virtual
- Cashback
- 1.5% in USDC/USDT on first $100/mo
- Requirement
- Purchase Virtual membership and pass KYC
- Virtual cards
- $25/year digital card
- After cap
- 0.5% cashback
- Earn APY
- Up to 6% APY (advertised tier ceiling; live vault APY varies)
- Physical card
- Not included
- Lounge access
- —
- Best fit
- Lowest-cost digital-only tier with the smallest full-rate cashback allowance.
Upgrade
$109/yrSignature
Visa physical plastic + virtual
- Cashback
- 4.5% in USDC/USDT on first $1,000/mo
- Requirement
- Purchase Signature membership and pass KYC
- Virtual cards
- 1 free
- After cap
- 1% cashback
- Earn APY
- Up to 10% APY (advertised tier ceiling; live vault APY varies)
- Physical card
- Durable PVC card; produced and shipped in batches
- Lounge access
- Included
- Best fit
- Physical PVC tier with a higher cashback allowance and lounge access.
Upgrade
$250/yrPremium
Visa metal + virtual
- Cashback
- 6% in USDC/USDT on first $2,000/mo
- Requirement
- Purchase Premium membership and pass KYC
- Virtual cards
- 1 free
- After cap
- 1% cashback
- Earn APY
- Up to 15% APY (advertised tier ceiling; live vault APY varies)
- Physical card
- Metal card; produced and shipped in batches
- Lounge access
- Included
- Best fit
- Highest tier for a metal card, the largest cashback allowance and lounge access.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
- Physical deliveryCountry and batch gated
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appAvailable
Account rails
- Stablecoin depositsAvailable
- USD bank detailsNot confirmed
- EUR bank detailsNot confirmed
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Tria
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 1 routeCrypto depositsUSDCUSDTBTCETHSOL
Crypto deposits
1 route
Crypto deposits
Received as supported stablecoin or converted to USD balance according to card account settings · Auto-converted into stablecoin/USD balance on receipt
USDCUSDTBTCETHSOL+9
- Fee
- 1% + No fixed fee
- Speed
- Not confirmed
- Limits
- $10 minimum for most tokens; $50 for BTC
- Availability
- Confirmed scope
Route details
Fee components
- 1% · transfer
- No fixed transfer fee
More assets, currencies or networks
Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos, Solana, Bitcoin
Access path
Via connected wallet
Asset / network map
USDC: Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos, Solana · USDT: Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos, Solana · BTC: Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos +1 · ETH: Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos +1 · SOL: Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos +1
Availability
Supported asset and network combinations
Account setup
wallet
Restrictions
Usually near-instant; exceptional delays can take 2-4 hours. · Usually near-instant; exceptional delays can take 2-4 hours. Supported asset/network combinations remain app-dependent; direct SOL and Avalanche card top-ups are not supported.
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Supported stablecoins follow the account credit settings. 3 mapped receive-only non-stable assets are auto-converted into the stablecoin/USD balance on receipt.
Money outWays to send, withdraw or settle · 1 routeExternal crypto sendsUSDCUSDTBTCETHSOL
External crypto sends
1 route
Wallet crypto transfers
Tria Wallet docs confirm send/receive on supported chains.
USDCUSDTBTCETHSOL
- Fee
- Not confirmed
- Speed
- Instant
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
Access path
Via connected wallet
Availability
Tria Wallet supported blockchain networks
Account setup
wallet
Restrictions
Tria Wallet docs confirm send/receive on supported chains. Card-specific withdrawal paths and exact per-asset limits still need app confirmation.
05 · Optional product
Earn is separate from the card
This yield product requires a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Optional yield
Tria Earn vaults
Up to 15% APY
- Yield source
- On-chain vault strategies; initial infrastructure by Upshift and strategies by Sentora
- Yield mechanism
- Mixed strategy
- Risk exposure
- smart contracts, liquidity, market, strategy manager
- Redemption
- Flexible Earn withdrawals can be requested at any time, but transfer to the wallet may take up to 30 days; fixed-term products remain locked until maturity. A position must remain for at least 3 months to qualify for the separate boosted reward.
- Assets
- Stablecoins, supported crypto assets
- Spend directly from Earn balance
- Not confirmed
- Withdraw anytime
- Yes
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Tria is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
Card access varies by country or programme.
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productTria
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard issuerNimbus, LLC
Issues the Tria Spend Card and performs issuer functions.
Jurisdiction: Delaware, United States · Applies to: Tria international card programme under the captured terms.Card issuerThird National
Issues the Tria card under the captured U.S. cardholder agreement.
Jurisdiction: United States · Applies to: United States card programme only.Programme operatorThreely Dimensions Inc.
Provides access to and the technology experience for the Tria Spend Card.
Applies to: Tria international card programme under the captured terms.07 · Methodology
Why the score is 73
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
73/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support89
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint36
Rewards value
1.5% base cashback and up to 6%; higher rates depend on complex conditions, paid in USDC/USDT.
08 · Evidence
Sources
25 sources22 officialChecked Jul 14, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.Official source ↗Card Terms International - Tria DocsOfficial source ↗U.S. Card Terms - Tria DocsOfficial source ↗Card Cashback Terms - Tria DocsOfficial source ↗Tria Membership | Tria Wallet: Trade, Earn Yield and Spend Crypto in the real worldOfficial source ↗What are Tria Cards? | Tria Help CenterOfficial source ↗
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