TriaTria
67
Side-by-side card comparison
Tria vs Coinbase One: where the score gap comes from
Tria Card has the higher Overall Score by 11 points (67 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202644 official sources reviewed
01 · Where the gap opens
Tria Card is the better all-round starting point
Tria Card has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallTria67Coinbase One56Higher score
CashbackTria45Coinbase One40Compare the details below
TravelTria63Coinbase One60Compare the details below
Funds controlTria91Coinbase One36Compare the details below
Lowest feesTria51Coinbase One58Compare the details below
TransfersTria63Coinbase One24Compare the details below
Choose Tria Card if its day-to-day setup suits you
Tria Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Tria67Coinbase One56
Tria Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Tria Card has the lower starting plan cost ($25/year vs $49.99/year).
- Purchase rewards
- Tria1.5% base · up to 6%Coinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 1.5%).
- Funds control
- TriaSelf-controlled walletCoinbase OneCustodial balance
Tria Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TriaVirtual + Physical · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tria2 stablecoins · Stablecoin transfersCoinbase One0 stablecoins · Not modeled
Tria Card lists more stablecoins and ways to send money out (3 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsTria CardOverall67Coinbase One CardOverall56
Tria CardOverall67Coinbase One CardOverall56Scores
6 fields- Overall Score
- Tria Card67Coinbase One Card56
- Cashback score
- Tria Card45Coinbase One Card40
- Travel score
- Tria Card63Coinbase One Card60
- Funds control score
- Tria Card91Coinbase One Card36
- Lowest fees score
- Tria Card51Coinbase One Card58
- Transfers score
- Tria Card63Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Tria Card$25/yearCoinbase One Card$49.99/year
- FX fee
- Tria Card0–3%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Tria Card1%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Tria CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCCoinbase One CardNot disclosed
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedCoinbase One CardNot disclosed
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Tria CardPremium: 6%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Tria CardVisaCoinbase One CardAmerican Express
- Card formats
- Tria CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Tria CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Tria CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebCoinbase One CardiOS, Android, Web
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Coinbase One CardNot disclosed
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLCoinbase One CardNot disclosed
- Fiat deposits
- Tria CardNot disclosedCoinbase One CardNot disclosed
- Transfers
- Tria CardStablecoin transfersCoinbase One CardNot disclosed
- Payout currencies
- Tria CardNot disclosedCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Tria Card1.5%Coinbase One Card2%
- Max cashback
- Tria Card6%Coinbase One Card4%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYCoinbase One CardUp to 3.5% APY
- How it works
- Tria CardOptional earn vaultCoinbase One CardBorrow against collateral
- Separate deposit
- Tria CardNot disclosedCoinbase One CardNo
- Use balance for spending
- Tria CardNot disclosedCoinbase One CardNo
- Lock-up
- Tria CardNoCoinbase One CardYes
Trust & availability
5 fields- Custody
- Tria CardSelf-custodyCoinbase One CardCustodial
- Control until payment
- Tria CardYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalCoinbase One CardFirst Electronic Bank
- Custody / key management
- Tria CardNot disclosedCoinbase One CardCoinbase, Inc.
- Programme operator
- Tria CardThreely Dimensions Inc.Coinbase One CardNot disclosed
Sources
2 fields- Official sources
- Tria Card21Coinbase One Card23
- Last reviewed
- Tria CardAug 25, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 versus 56 for Coinbase One Card. Tria Card has the lower starting plan cost ($25/year vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 1.5%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Tria Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tria Card lists more stablecoins and ways to send money out (3 vs 0). 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 Coinbase One Card reviews first.
Continue with
Tria Card
Continue with
Coinbase One Card
05 · Common questions
Tria vs Coinbase One FAQ
Is Tria or Coinbase One better overall?
Tria Card has the higher Overall Score (67 vs 56). 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 Coinbase One?
Tria Card has the lower starting plan cost ($25/year vs $49.99/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 Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% 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 Tria and Coinbase One differ on custody?
Tria Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tria vs Coinbase One comparison?
The latest information check for these two cards was September 5, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.