Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Tria: overall score versus use-case fit
Tria Card has the higher Overall Score by 1 point (67 vs 66). Exa Card looks stronger for Lowest fees and Transfers, while Tria Card comes out ahead for Cashback, Travel, and Funds control.
Information checked Aug 25, 202652 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. Exa 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.
OverallExa66Tria67Higher score
CashbackExa19Tria45Higher score
TravelExa61Tria62Higher score
Funds controlExa88Tria91Higher score
Lowest feesExa67Tria51Higher score
TransfersExa97Tria63Higher score
Choose Exa Card if lowest fees and transfers matter most
Exa 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose Tria Card if cashback and travel matter most
Tria Card comes out ahead for Cashback, Travel, 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
- Exa66Tria67
Tria Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXTria$25/year plan · 0–3% FX
Exa Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Exa0% cashbackTria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- ExaSelf-controlled walletTriaSelf-controlled wallet
Exa Card and Tria Card use the same self-controlled wallet setup.
- Everyday access
- ExaVirtual · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutTria2 stablecoins · Stablecoin transfers
Exa Card lists more stablecoins and ways to send money out (5 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.
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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
CardsExa CardOverall66Tria CardOverall67
Exa CardOverall66Tria CardOverall67Scores
6 fields- Overall Score
- Exa Card66Tria Card67
- Cashback score
- Exa Card19Tria Card45
- Travel score
- Exa Card61Tria Card62
- Funds control score
- Exa Card88Tria Card91
- Lowest fees score
- Exa Card67Tria Card51
- Transfers score
- Exa Card97Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Exa Card$0Tria Card$25/year
- FX fee
- Exa Card1.5%Tria Card0–3%
- Top-up fee
- Exa Card1%Tria Card1%
- Card spending fee
- Exa CardNot disclosedTria CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Exa CardFree with Exa WalletTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Exa CardNot availableTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Exa CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Exa CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Exa CardVisaTria CardVisa
- Card formats
- Exa CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableTria CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebTria CardiOS, Android, Web
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Exa Card$250/withdrawal; $1000/dayTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Exa CardOptimismTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositTria CardNot disclosed
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutTria CardStablecoin transfers
- Payout currencies
- Exa CardUSD, EURTria CardNot disclosed
Rewards
3 fields- Base cashback
- Exa Card0%Tria Card1.5%
- Max cashback
- Exa Card0%Tria Card6%
- Reward currency
- Exa CardNo cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYTria CardUp to 15% APY
- How it works
- Exa CardEarn on spending balance, Borrow against collateralTria CardOptional earn vault
- Separate deposit
- Exa CardNoTria CardNot disclosed
- Use balance for spending
- Exa CardYesTria CardNot disclosed
- Lock-up
- Exa CardNoTria CardNo
Trust & availability
6 fields- Custody
- Exa CardSelf-custodyTria CardSelf-custody
- Control until payment
- Exa CardYou keep controlTria CardYou keep control
- Card issuer
- Exa CardThird National Bank, Third NationalTria CardNimbus, LLC, Third National
- Card processing
- Exa CardExa Labs SASTria CardNot disclosed
- Deposits & withdrawals
- Exa CardBridge, MantecaTria CardNot disclosed
- Programme operator
- Exa CardExa Labs SASTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Exa Card31Tria Card21
- Last reviewed
- Exa CardAug 23, 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 66 for Exa Card. Exa Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Exa 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. Exa Card and Tria Card use the same self-controlled wallet setup.
Exa Card lists more stablecoins and ways to send money out (5 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 Exa Card and Tria Card reviews first.
Continue with
Exa Card
Continue with
Tria Card
05 · Common questions
Exa vs Tria FAQ
Is Exa or Tria better overall?
Tria Card has the higher Overall Score (67 vs 66). 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, Exa or Tria?
Exa 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, Exa 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 Exa and Tria differ on custody?
Exa Card and Tria Card use the same self-controlled wallet setup.
How current is this Exa vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.