MPChatMPChat
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Side-by-side card comparison
MPChat vs Tria
Tria Card has the higher Overall Score by 15 points (67 vs 52). MPChat Card looks stronger for Travel and Lowest fees, while Tria Card comes out ahead for Cashback, Funds control, and Transfers.
Latest check Nov 12, 202651 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Tria Card
Best fit
- Funding card purchases through Tria's self-custody crypto wallet.
- Choosing a paid cashback tier without staking or holding a required token.
- Lite users earning 1.5% on the first $1,000/month, then 0.5%.
Before you choose
- Lite costs $20/year, Pro $109 and Max $250; the wallet alone is not the card plan.
- Cashback is paid in batches, with terms allowing delays of up to 12 months.
- 0% Tria FX is not the total cost; issuer terms allow an FX fee up to 3%.
Fees & features
Compare the details
CardsMPChat CardOverall52Tria CardOverall67
MPChat CardOverall52Tria CardOverall67Scores
- Overall Score
- MPChat Card52Tria Card67
- Cashback score
- MPChat Card18Tria Card45
- Travel score
- MPChat Card72Tria Card63
- Funds control score
- MPChat Card41Tria Card91
- Lowest fees score
- MPChat Card60Tria Card51
- Transfers score
- MPChat Card58Tria Card63
Costs
- Plan cost
- MPChat Card$0Tria Card$20/year
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateTria Card0–3%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardTria Card1%
- Card spending fee
- MPChat Card$0.10 + 0.8%Tria CardNot disclosed
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- MPChat CardCloud: 10 USDT one timeTria Card$20/year Lite membership; issued after payment and KYC
- Physical card
- MPChat CardBoundless: 100 USDT one timeTria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gated
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardTria Card3 plans: Lite, Pro, Max
- Top cashback plan
- MPChat CardNot disclosedTria CardMax: 6%
- Base cashback
- MPChat CardNot disclosedTria Card1.5%
- Max cashback
- MPChat CardNot disclosedTria Card6%
- Reward currency
- MPChat CardNot disclosedTria CardUSDC and/or USDT stablecoins cashback
Everyday use
- Network
- MPChat CardVisaTria CardVisa
- Card formats
- MPChat CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableTria CardAvailable
- Mobile wallets
- MPChat CardGoogle PayTria CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedTria CardiOS, Android, Web
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- MPChat CardStablecoins: USDTTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- MPChat CardNot disclosedTria CardNot disclosed
- Transfers
- MPChat CardStablecoin transfersTria CardStablecoin transfers
- Payout currencies
- MPChat CardNot disclosedTria CardNot disclosed
Earn
- Advertised APY
- MPChat CardNot offeredTria CardUp to 15% APY
- How it works
- MPChat CardNot offeredTria CardOptional earn vault
- Separate deposit
- MPChat CardNot offeredTria CardNot disclosed
- Use balance for spending
- MPChat CardNot offeredTria CardNot disclosed
- Lock-up
- MPChat CardNot offeredTria CardNo
Trust & availability
- Custody
- MPChat CardCustodialTria CardSelf-custody
- Control until payment
- MPChat CardProvider controls fundsTria CardYou keep control
- Card issuer
- MPChat CardNot disclosedTria CardNimbus, LLC, Third National
- Programme operator
- MPChat CardNot disclosedTria CardThreely Dimensions Inc.
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Tria Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Tria
Keeping control of your funds
Tria suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Keeping recurring costs down
MPChat's base plan is $0, compared with $20/year for Tria. This favours MPChat for occasional use; card issuance and transaction fees are separate.
Using an exchange account
Tria does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Tria if you want to avoid that account requirement.
Common questions
MPChat vs Tria FAQ
Is MPChat or Tria better overall?
Tria Card has the higher Overall Score (67 vs 52). 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, MPChat or Tria?
MPChat 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, MPChat or Tria?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Tria differ on custody?
MPChat 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 MPChat vs Tria comparison?
The latest information check for these two cards was November 12, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.