TriaTria
67
Side-by-side card comparison
Tria vs Coca: overall score versus use-case fit
Coca Card has the higher Overall Score by 3 points (70 vs 67). Tria Card looks stronger for Cashback and Funds control, while Coca Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 25, 202633 official sources reviewed
01 · Overall score versus use-case fit
Coca Card is the better all-round starting point
Coca Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Cashback 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.
OverallTria67Coca70Higher score
CashbackTria45Coca43Higher score
TravelTria62Coca82Higher score
Funds controlTria91Coca85Higher score
Lowest feesTria51Coca63Higher score
TransfersTria63Coca87Higher score
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
Choose Coca Card if travel and lowest fees matter most
Coca 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
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
- Tria67Coca70
Coca Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXCoca$0 plan · 0% on direct pairs FX
Coca Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Tria1.5% base · up to 6%Coca1% base · up to 8%
Tria Card has the higher published base cashback rate (1.5% vs 1%).
- Funds control
- TriaSelf-controlled walletCocaSelf-controlled wallet
Tria Card and Coca Card use the same self-controlled wallet setup.
- Everyday access
- TriaVirtual + Physical · Apple Pay, Google PayCocaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tria2 stablecoins · Stablecoin transfersCoca3 stablecoins · Stablecoin transfers; IBAN / bank transfers
Coca 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
- 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
- Cashback
- 1%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 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
CardsTria CardOverall67Coca CardOverall70
Tria CardOverall67Coca CardOverall70Scores
6 fields- Overall Score
- Tria Card67Coca Card70
- Cashback score
- Tria Card45Coca Card43
- Travel score
- Tria Card62Coca Card82
- Funds control score
- Tria Card91Coca Card85
- Lowest fees score
- Tria Card51Coca Card63
- Transfers score
- Tria Card63Coca Card87
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersCoca CardBest cashback needs COCA tier rules, ATM is free only up to allowance
Costs
7 fields- Plan cost
- Tria Card$25/yearCoca Card$0
- FX fee
- Tria Card0–3%Coca Card0% on direct pairs
- Top-up fee
- Tria Card1%Coca CardNot disclosed
- Card spending fee
- Tria CardNot disclosedCoca CardNot disclosed
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Coca Card0–2%
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCCoca CardVirtual card free for all tiers
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedCoca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/Elite
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumCoca Card6 plans: Starter, Standard, Standard+, Premium +2
- Top cashback plan
- Tria CardPremium: 6%Coca CardElite: 8%
Everyday use
8 fields- Network
- Tria CardVisaCoca CardVisa
- Card formats
- Tria CardVirtual, PhysicalCoca CardVirtual, Physical
- ATM withdrawals
- Tria CardAvailableCoca CardAvailable
- Mobile wallets
- Tria CardApple Pay, Google PayCoca CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebCoca CardiOS, Android
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayCoca Card30,000 EUR/day; 30,000 EUR/transaction
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayCoca Card30,000 EUR/month
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hCoca Card850 EUR/day; 5,000 EUR/month
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Coca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLCoca CardStablecoins: USDT, USDC, EURC, EURS
- Fiat deposits
- Tria CardNot disclosedCoca CardEUR IBAN receive
- Transfers
- Tria CardStablecoin transfersCoca CardStablecoin transfers; IBAN / bank transfers
- Payout currencies
- Tria CardNot disclosedCoca CardEUR, USD where available
Rewards
3 fields- Base cashback
- Tria Card1.5%Coca Card1%
- Max cashback
- Tria Card6%Coca Card8%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackCoca CardStablecoins such as USDC or EURC cashback
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYCoca CardUp to 5% APY
- How it works
- Tria CardOptional earn vaultCoca CardEarn on spending balance
- Separate deposit
- Tria CardNot disclosedCoca CardNo
- Use balance for spending
- Tria CardNot disclosedCoca CardYes
- Lock-up
- Tria CardNoCoca CardNo
Trust & availability
4 fields- Custody
- Tria CardSelf-custodyCoca CardSelf-custody
- Control until payment
- Tria CardYou keep controlCoca CardYou keep control
- Card issuer
- Tria CardNimbus, LLC, Third NationalCoca CardNot disclosed
- Programme operator
- Tria CardThreely Dimensions Inc.Coca CardCOCA / CCA LABS
Sources
2 fields- Official sources
- Tria Card21Coca Card12
- Last reviewed
- Tria CardAug 25, 2026Coca CardAug 5, 2026
04 · The trade-off
Coca Card is the stronger all-round choice
Coca Card finishes ahead with an Overall Score of 70 versus 67 for Tria Card. Coca Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 1%).
Tria Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Tria Card and Coca Card use the same self-controlled wallet setup.
Coca 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 Tria Card and Coca Card reviews first.
Continue with
Tria Card
Continue with
Coca Card
05 · Common questions
Tria vs Coca FAQ
Is Tria or Coca better overall?
Coca Card has the higher Overall Score (70 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, Tria or Coca?
Coca 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, Tria or Coca?
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 Tria and Coca differ on custody?
Tria Card and Coca Card use the same self-controlled wallet setup.
How current is this Tria vs Coca comparison?
The latest information check for these two cards was August 25, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.