OobitOobit
72
Side-by-side card comparison
Oobit vs Tria: overall score versus use-case fit
Oobit Card has the higher Overall Score by 5 points (72 vs 67). Oobit Card looks stronger for Cashback and Transfers, while Tria Card comes out ahead for Travel and Funds control.
Information checked Aug 25, 202637 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Travel 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.
OverallOobit72Tria67Higher score
CashbackOobit68Tria45Higher score
TravelOobit45Tria62Higher score
Funds controlOobit77Tria91Higher score
Lowest feesOobit51Tria51Same score
TransfersOobit64Tria63Higher score
Choose Oobit Card if cashback and transfers matter most
Oobit Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose Tria Card if travel and funds control matter most
Tria Card comes out ahead for 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
- Oobit72Tria67
Oobit Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXTria$25/year plan · 0–3% FX
Oobit Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Oobit5% base · up to 10%Tria1.5% base · up to 6%
Oobit Card has the higher published base cashback rate (5% vs 1.5%).
- Funds control
- OobitHybrid custodyTriaSelf-controlled wallet
Oobit Card uses a hybrid custody 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
- OobitVirtual · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutTria2 stablecoins · Stablecoin transfers
Oobit Card lists more stablecoins and ways to send money out (6 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall72Tria CardOverall67
Oobit CardOverall72Tria CardOverall67Scores
6 fields- Overall Score
- Oobit Card72Tria Card67
- Cashback score
- Oobit Card68Tria Card45
- Travel score
- Oobit Card45Tria Card62
- Funds control score
- Oobit Card77Tria Card91
- Lowest fees score
- Oobit Card51Tria Card51
- Transfers score
- Oobit Card64Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Oobit Card$0Tria Card$25/year
- FX fee
- Oobit Card3%Tria Card0–3%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeTria Card1%
- Card spending fee
- Oobit Card$0.25 + 1%Tria CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Oobit CardFreeTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Oobit CardNot disclosedTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Oobit CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Oobit CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Oobit CardVisaTria CardVisa
- Card formats
- Oobit CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableTria CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Oobit CardNot disclosedTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Oobit CardNot disclosedTria CardNot disclosed
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutTria CardStablecoin transfers
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Tria CardNot disclosed
Rewards
3 fields- Base cashback
- Oobit Card5%Tria Card1.5%
- Max cashback
- Oobit Card10%Tria Card6%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Oobit CardNot offeredTria CardUp to 15% APY
- How it works
- Oobit CardNot offeredTria CardOptional earn vault
- Separate deposit
- Oobit CardNot offeredTria CardNot disclosed
- Use balance for spending
- Oobit CardNot offeredTria CardNot disclosed
- Lock-up
- Oobit CardNot offeredTria CardNo
Trust & availability
4 fields- Custody
- Oobit CardHybrid custodyTria CardSelf-custody
- Control until payment
- Oobit CardYou keep controlTria CardYou keep control
- Card issuer
- Oobit CardThirdNationalTria CardNimbus, LLC, Third National
- Programme operator
- Oobit CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Oobit Card16Tria Card21
- Last reviewed
- Oobit CardAug 12, 2026Tria CardAug 25, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 versus 67 for Tria Card. Oobit Card has the lower starting plan cost ($0 vs $25/year). Oobit Card has the higher published base cashback rate (5% vs 1.5%).
Tria Card still comes out ahead for Travel and Funds control, which may matter more than the overall result if that is how you plan to use the card. Oobit Card uses a hybrid custody 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.
Oobit Card lists more stablecoins and ways to send money out (6 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 Oobit Card and Tria Card reviews first.
Continue with
Oobit Card
Continue with
Tria Card
05 · Common questions
Oobit vs Tria FAQ
Is Oobit or Tria better overall?
Oobit Card has the higher Overall Score (72 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, Oobit or Tria?
Oobit 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, Oobit or Tria?
Oobit Card has the higher published base cashback rate (5% vs 1.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Tria differ on custody?
Oobit Card uses a hybrid custody 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 Oobit vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.