PhantomPhantom
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Side-by-side card comparison
Phantom vs Tria: overall score versus use-case fit
Tria Card has the higher Overall Score by 8 points (67 vs 59). Phantom Card looks stronger for Transfers, while Tria Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Aug 25, 202635 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. Phantom Card may be the better fit for 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.
OverallPhantom59Tria67Higher score
CashbackPhantom14Tria45Higher score
TravelPhantom25Tria62Higher score
Funds controlPhantom89Tria91Higher score
Lowest feesPhantom44Tria51Higher score
TransfersPhantom88Tria63Higher score
Choose Phantom Card if transfers matters most
Phantom Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Choose Tria Card if cashback and travel matter most
Tria Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees 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
- Phantom59Tria67
Tria Card has the higher Overall Score by 8 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXTria$25/year plan · 0–3% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Phantom0% cashbackTria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- PhantomSelf-controlled walletTriaSelf-controlled wallet
Phantom Card and Tria Card use the same self-controlled wallet setup.
- Everyday access
- PhantomVirtual · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutTria2 stablecoins · Stablecoin transfers
Phantom Card lists more stablecoins and ways to send money out (8 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%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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
CardsPhantom CardOverall59Tria CardOverall67
Phantom CardOverall59Tria CardOverall67Scores
6 fields- Overall Score
- Phantom Card59Tria Card67
- Cashback score
- Phantom Card14Tria Card45
- Travel score
- Phantom Card25Tria Card62
- Funds control score
- Phantom Card89Tria Card91
- Lowest fees score
- Phantom Card44Tria Card51
- Transfers score
- Phantom Card88Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Phantom CardNot disclosedTria Card$25/year
- FX fee
- Phantom CardMay apply; shown before confirmationTria Card0–3%
- Top-up fee
- Phantom Card0.3–3.5%Tria Card1%
- Card spending fee
- Phantom Card0%Tria CardNot disclosed
- ATM fee
- Phantom CardNot availableTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Phantom CardFree virtual cardTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Phantom CardNot availableTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Phantom CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Phantom CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Phantom CardVisaTria CardVisa
- Card formats
- Phantom CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableTria CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Phantom CardNot availableTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Phantom CardSolanaTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireTria CardNot disclosed
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutTria CardStablecoin transfers
- Payout currencies
- Phantom CardUSDTria CardNot disclosed
Rewards
3 fields- Base cashback
- Phantom Card0%Tria Card1.5%
- Max cashback
- Phantom Card0%Tria Card6%
- Reward currency
- Phantom CardNot applicableTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedTria CardUp to 15% APY
- How it works
- Phantom CardOptional earn vaultTria CardOptional earn vault
- Separate deposit
- Phantom CardYesTria CardNot disclosed
- Use balance for spending
- Phantom CardNoTria CardNot disclosed
- Lock-up
- Phantom CardNot disclosedTria CardNo
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyTria CardSelf-custody
- Control until payment
- Phantom CardYou keep controlTria CardYou keep control
- Card issuer
- Phantom CardLead BankTria CardNimbus, LLC, Third National
- Card processing
- Phantom CardBridge Ventures LLC, GalileoTria CardNot disclosed
- Deposits & withdrawals
- Phantom CardStripeTria CardNot disclosed
- Identity verification
- Phantom CardLinkTria CardNot disclosed
- Programme operator
- Phantom CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Phantom Card14Tria Card21
- Last reviewed
- Phantom 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 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tria Card has the higher published base cashback rate (1.5% vs 0%).
Phantom Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Phantom Card and Tria Card use the same self-controlled wallet setup.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card and Tria Card reviews first.
Continue with
Phantom Card
Continue with
Tria Card
05 · Common questions
Phantom vs Tria FAQ
Is Phantom or Tria better overall?
Tria Card has the higher Overall Score (67 vs 59). 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, Phantom or Tria?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Phantom 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 Phantom and Tria differ on custody?
Phantom Card and Tria Card use the same self-controlled wallet setup.
How current is this Phantom vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.