TangemTangem
77
Side-by-side card comparison
Tangem vs Tria: overall score versus use-case fit
Tangem Card has the higher Overall Score by 10 points (77 vs 67). Tangem Card looks stronger for Cashback, Lowest fees, and Transfers, while Tria Card comes out ahead for Funds control.
Information checked Oct 11, 202641 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Tria Card may be the better fit for 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.
OverallTangem77Tria67Higher score
CashbackTangem73Tria45Higher score
TravelTangem63Tria63Same score
Funds controlTangem87Tria91Higher score
Lowest feesTangem52Tria51Higher score
TransfersTangem65Tria63Higher score
Choose Tangem Card if cashback and lowest fees matter most
Tangem Card comes out ahead for Cashback, 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Tria Card if funds control matters most
Tria Card comes out ahead for 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
- Tangem77Tria67
Tangem Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXTria$20/year plan · 0–3% FX
Tangem Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Tangem1% base · up to 2%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 1%).
- Funds control
- TangemHybrid custodyTriaSelf-controlled wallet
Tangem 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
- TangemVirtual + 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
- Tangem2 stablecoins · Stablecoin transfersTria2 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1.5%-6%
- Plan cost
- $20/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
CardsTangem CardOverall77Tria CardOverall67
Tangem CardOverall77Tria CardOverall67Scores
6 fields- Overall Score
- Tangem Card77Tria Card67
- Cashback score
- Tangem Card73Tria Card45
- Travel score
- Tangem Card63Tria Card63
- Funds control score
- Tangem Card87Tria Card91
- Lowest fees score
- Tangem Card52Tria Card51
- Transfers score
- Tangem Card65Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Tria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Tangem Card$0Tria Card$20/year
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownTria Card0–3%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateTria Card1%
- Card spending fee
- Tangem Card0%Tria CardNot disclosed
- ATM fee
- Tangem Card2–4%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Tangem Card$0 for the first virtual cardTria Card$20/year Lite membership; issued after payment and KYC
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeTria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusTria Card3 plans: Lite, Pro, Max
- Top cashback plan
- Tangem CardPlus: 2%Tria CardMax: 6%
Everyday use
8 fields- Network
- Tangem CardVisaTria CardVisa
- Card formats
- Tangem CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableTria CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositTria CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersTria CardStablecoin transfers
- Payout currencies
- Tangem CardNot disclosedTria CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card1%Tria Card1.5%
- Max cashback
- Tangem Card2%Tria Card6%
- Reward currency
- Tangem CardUSDCTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredTria CardUp to 15% APY
- How it works
- Tangem CardNot offeredTria CardOptional earn vault
- Separate deposit
- Tangem CardNot offeredTria CardNot disclosed
- Use balance for spending
- Tangem CardNot offeredTria CardNot disclosed
- Lock-up
- Tangem CardNot offeredTria CardNo
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyTria CardSelf-custody
- Control until payment
- Tangem CardYou keep controlTria CardYou keep control
- Card issuer
- Tangem CardThird NationalTria CardNimbus, LLC, Third National
- Card processing
- Tangem CardPaera LLCTria CardNot disclosed
- Identity verification
- Tangem CardSumsubTria CardNot disclosed
- Programme operator
- Tangem CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Tangem Card20Tria Card21
- Last reviewed
- Tangem CardOct 11, 2026Tria CardSep 30, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 67 for Tria Card. Tangem Card has the lower starting plan cost ($0 vs $20/year). Tria Card has the higher published base cashback rate (1.5% vs 1%).
Tria Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Tangem 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.
Both cards list the same number of stablecoins and ways to send money out. 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 Tangem Card and Tria Card reviews first.
Continue with
Tangem Card
Continue with
Tria Card
05 · Common questions
Tangem vs Tria FAQ
Is Tangem or Tria better overall?
Tangem Card has the higher Overall Score (77 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, Tangem or Tria?
Tangem 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, Tangem or Tria?
Tria Card has the higher published base cashback rate (1.5% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tangem and Tria differ on custody?
Tangem 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 Tangem vs Tria comparison?
The latest information check for these two cards was October 11, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.