NexoNexo
65
Side-by-side card comparison
Nexo vs Tria: overall score versus use-case fit
Tria Card has the higher Overall Score by 2 points (67 vs 65). Nexo Card looks stronger for Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Cashback and Funds control.
Information checked Aug 25, 202634 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. Nexo Card may be the better fit for Travel, 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.
OverallNexo65Tria67Higher score
CashbackNexo41Tria45Higher score
TravelNexo65Tria62Higher score
Funds controlNexo52Tria91Higher score
Lowest feesNexo57Tria51Higher score
TransfersNexo91Tria63Higher score
Choose Nexo Card if travel and lowest fees matter most
Nexo 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
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
- Nexo65Tria67
Tria Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXTria$25/year plan · 0–3% FX
Nexo Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Nexo0.5% base · up to 2%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- NexoCustodial balanceTriaSelf-controlled wallet
Nexo 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
- NexoVirtual + 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
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalTria2 stablecoins · Stablecoin transfers
Nexo 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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 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
CardsNexo CardOverall65Tria CardOverall67
Nexo CardOverall65Tria CardOverall67Scores
6 fields- Overall Score
- Nexo Card65Tria Card67
- Cashback score
- Nexo Card41Tria Card45
- Travel score
- Nexo Card65Tria Card62
- Funds control score
- Nexo Card52Tria Card91
- Lowest fees score
- Nexo Card57Tria Card51
- Transfers score
- Nexo Card91Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Nexo Card$0Tria Card$25/year
- FX fee
- Nexo Card0.2–2.5%Tria Card0–3%
- Top-up fee
- Nexo CardNot disclosedTria Card1%
- Card spending fee
- Nexo CardNot disclosedTria CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Nexo CardAvailable from $50 account balanceTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Nexo CardPlatinum: 2%Tria CardPremium: 6%
Everyday use
8 fields- Network
- Nexo CardMastercardTria CardVisa
- Card formats
- Nexo CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableTria CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebTria CardiOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Nexo CardNexo account bank depositTria CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalTria CardStablecoin transfers
- Payout currencies
- Nexo CardEUR, GBP, USDTria CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Tria Card1.5%
- Max cashback
- Nexo Card2%Tria Card6%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYTria CardUp to 15% APY
- How it works
- Nexo CardEarn on spending balanceTria CardOptional earn vault
- Separate deposit
- Nexo CardNot disclosedTria CardNot disclosed
- Use balance for spending
- Nexo CardYesTria CardNot disclosed
- Lock-up
- Nexo CardNoTria CardNo
Trust & availability
4 fields- Custody
- Nexo CardCustodialTria CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsTria CardYou keep control
- Card issuer
- Nexo CardDiPocket UABTria CardNimbus, LLC, Third National
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Tria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Nexo Card13Tria Card21
- Last reviewed
- Nexo CardAug 5, 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 65 for Nexo Card. Nexo Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
Nexo Card still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Nexo 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.
Nexo 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 Nexo Card and Tria Card reviews first.
Continue with
Nexo Card
Continue with
Tria Card
05 · Common questions
Nexo vs Tria FAQ
Is Nexo or Tria better overall?
Tria Card has the higher Overall Score (67 vs 65). 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, Nexo or Tria?
Nexo 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, Nexo or Tria?
Tria Card has the higher published base cashback rate (1.5% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and Tria differ on custody?
Nexo 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 Nexo vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.