Main strengths
- Card spend is linked to Tria's wallet model, not a CEX account.
- Physical, virtual, Apple Pay and Google Pay access are all available.
- 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
Tria links a self-custody wallet to virtual and physical Visa spending, paid memberships and tiered stablecoin cashback. Multichain top-ups, card payments, membership access and reward settlement use separate rules; top-up, Visa FX and local ATM fees can apply.
Self-custodyMetal cardUS availableBTC depositsCrypto-nativeMulti-asset
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
Tria Card uses paid membership tiers. Compare the entry price with funding, FX and cash-access costs before choosing a level.
ItemStandard tierWhat it means
Monthly plan$25/yearNo recurring monthly plan fee on the current entry 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.
Provider FX markup0%Tria lists no foreign-exchange markup of its own.
Issuer foreign-transaction feeUp to 3%The issuer programme publishes this ceiling separately from Tria's own 0% markup.
ATM withdrawalUp to $2 + 3%; inquiry/decline up to $2This 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 spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limit$750/24hListed
Account depositNot disclosedListed
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 current purchase reward rate
Conditional: not the automatic rate
USDC and/or USDT stablecoins cashback
Highest current full-rate threshold; spend above it earns 1%
Memberships
Upgrade
$25/yrVirtual
Visa virtual
- Cashback
- 1.5% in USDC/USDT
- Full-rate spend
- $100 / month; then 0.5%
- 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
- Not listed
- 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
- Full-rate spend
- $1,000 / month; then 1%
- 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
- Full-rate spend
- $2,000 / month; then 1%
- 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
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
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 receive1 route
Crypto deposits
1 route
Crypto depositsReceived as supported stablecoin or converted to USD balance according to card account settings · Auto-converted into stablecoin/USD balance on receiptUSDCUSDTBTCETHSOL+9Fee1% + No fixed feeSpeedNot confirmedLimits$10 minimum for most tokens; $50 for BTCAvailabilityConfirmed scopeDetails
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 settle1 route
External crypto sends
1 route
Wallet crypto transfersTria Wallet docs confirm send/receive on supported chains.USDCUSDTBTCETHSOLFeeNot confirmedSpeedInstantLimitsShown in appExternal costExternal on-chain feeDetails
Fee components
- External on-chain fee
Access path
Via connected wallet
Availability
Tria Wallet supported blockchain networks
External cost scope
Blockchain gas fees; not charged by Tria
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
Add yield through a separate balance
Tria Earn vaults adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
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
- 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 supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
- Explicit restrictions
- 25 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Countries listed as regional guidance8 countries
AustraliaCanadaGermanyHong KongUkraineUnited Arab EmiratesUnited KingdomUnited States
Explicit restriction list25 countries
AfghanistanBelarusCentral African RepublicCongo, Democratic Republic of theCubaEritreaEthiopiaGuineaGuinea-BissauIranIraqLebanonLibyaMaliMyanmarNicaraguaNorth KoreaRussiaSomaliaSouth SudanSudanSyriaVenezuelaYemenZimbabwe
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productTria
Provides the product and account experience. Named legal operators appear separately.
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 67
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
67/100
ModerateHigher 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 support92
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint40
Cost efficiency
No monthly fee and 3% FX fee shape the day-to-day cost profile.
08 · Evidence
Sources
22 sources21 officialChecked Aug 25, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Tria Card — international card terms and fee ceilingsOfficial source ↗Tria prohibited-use policyOfficial source ↗Tria KYCOfficial source ↗Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.Official source ↗U.S. Card Terms - Tria DocsOfficial source ↗Card Cashback Terms - Tria DocsOfficial source ↗
09 · Card comparison
How Tria Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Tria Card
Card spend is linked to Tria's wallet model, not a CEX account.
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1.5%–6%
- FX fee
- 0% Tria markup; issuer-programme FX fee up to 3%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 3%–5%
- FX fee
- 1%
- Apps
- iOS, Android, Web app
- Stablecoin set
- soUSD, USDC + USDT
- Transfers & payouts
- Crypto transfers
Similar match
Supported stablecoins, personal bank details and card access sit in one COCA app.
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1%–8%
- FX fee
- 0% on direct pairs
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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