KrakKrak
74
Side-by-side card comparison
Krak vs Tria: overall score versus use-case fit
Krak Card has the higher Overall Score by 7 points (74 vs 67). Krak Card looks stronger for Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Cashback and Funds control.
Information checked Aug 27, 202647 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Cashback and Funds control. 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.
OverallKrak74Tria67Higher score
CashbackKrak40Tria45Higher score
TravelKrak83Tria62Higher score
Funds controlKrak56Tria91Higher score
Lowest feesKrak72Tria51Higher score
TransfersKrak97Tria63Higher score
Choose Krak Card if travel and lowest fees matter most
Krak Card comes out ahead for Travel, 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
- Krak74Tria67
Krak Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXTria$25/year plan · 0–3% FX
Krak Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Krak0% 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
- KrakCustodial balanceTriaSelf-controlled wallet
Krak 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
- KrakVirtual + 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
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPATria2 stablecoins · Stablecoin transfers
Krak 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.
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 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
CardsKrak CardOverall74Tria CardOverall67
Krak CardOverall74Tria CardOverall67Scores
6 fields- Overall Score
- Krak Card74Tria Card67
- Cashback score
- Krak Card40Tria Card45
- Travel score
- Krak Card83Tria Card62
- Funds control score
- Krak Card56Tria Card91
- Lowest fees score
- Krak Card72Tria Card51
- Transfers score
- Krak Card97Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Krak Card$0Tria Card$25/year
- FX fee
- Krak Card0–1%Tria Card0–3%
- Top-up fee
- Krak CardNot disclosedTria Card1%
- Card spending fee
- Krak Card0%Tria CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Krak CardFreeTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Tria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Krak CardMax: 2%Tria CardPremium: 6%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaTria CardVisa
- Card formats
- Krak CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableTria CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Krak CardOther crypto: Supported cryptoTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferTria CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPATria CardStablecoin transfers
- Payout currencies
- Krak CardGBP, EURTria CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Tria Card1.5%
- Max cashback
- Krak Card2%Tria Card6%
- Reward currency
- Krak CardGBP, EUR, USD or BTCTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYTria CardUp to 15% APY
- How it works
- Krak CardOptional earn vaultTria CardOptional earn vault
- Separate deposit
- Krak CardYesTria CardNot disclosed
- Use balance for spending
- Krak CardNoTria CardNot disclosed
- Lock-up
- Krak CardNot disclosedTria CardNo
Trust & availability
5 fields- Custody
- Krak CardCustodialTria CardSelf-custody
- Control until payment
- Krak CardProvider controls fundsTria CardYou keep control
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateTria CardNimbus, LLC, Third National
- Card processing
- Krak CardStripeTria CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Tria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Krak Card26Tria Card21
- Last reviewed
- Krak CardAug 27, 2026Tria CardAug 25, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 67 for Tria Card. Krak Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Tria Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Krak 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.
Krak 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 Krak Card and Tria Card reviews first.
Continue with
Krak Card
Continue with
Tria Card
05 · Common questions
Krak vs Tria FAQ
Is Krak or Tria better overall?
Krak Card has the higher Overall Score (74 vs 67). 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, Krak or Tria?
Krak 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, Krak 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 Krak and Tria differ on custody?
Krak 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 Krak vs Tria comparison?
The latest information check for these two cards was August 27, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.