Exactly Protocol / ExaExa
67
Side-by-side card comparison
Exa vs Tria: same score, different trade-offs
Exa Card and Tria Card share an Overall Score of 67. Exa Card looks stronger for Lowest fees and Transfers, while Tria Card comes out ahead for Cashback, Travel, and Funds control.
Information checked Sep 30, 202652 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Exa Card and Tria Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallExa67Tria67Same score
CashbackExa19Tria45Higher score
TravelExa62Tria63Higher score
Funds controlExa88Tria91Higher score
Lowest feesExa68Tria51Higher 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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Exa67Tria67
Both cards have the same displayed Overall Score of 67.
- Entry cost & FX
- Exa$0 plan · 1.5% FXTria$20/year plan · 0–3% FX
Exa Card has the lower starting plan cost ($0 vs $20/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 tie
The score is level. These quick facts show where the cards still ask you to make a choice.
67
- 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
- $20/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
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsExa CardOverall67Tria CardOverall67
Exa CardOverall67Tria CardOverall67Scores
6 fields- Overall Score
- Exa Card67Tria Card67
- Cashback score
- Exa Card19Tria Card45
- Travel score
- Exa Card62Tria Card63
- Funds control score
- Exa Card88Tria Card91
- Lowest fees score
- Exa Card68Tria 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$20/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$20/year Lite membership; issued after payment and KYC
- Physical card
- Exa CardNot availableTria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Exa CardNot disclosedTria Card3 plans: Lite, Pro, Max
- Top cashback plan
- Exa CardNot disclosedTria CardMax: 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 CardSep 6, 2026Tria CardSep 30, 2026
04 · The closer call
Exa Card and Tria Card need a closer personal call
The Overall Score ends level at 67, so there is no honest all-round winner here. Exa Card has the lower starting plan cost ($0 vs $20/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Exa Card looks stronger for Lowest fees and Transfers, while Tria Card comes out ahead for Cashback, Travel, and Funds control. 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). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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?
Exa Card and Tria Card tie at 67 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Exa or Tria?
Exa Card has the lower starting plan cost ($0 vs $20/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 September 30, 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.