TriaTria
67
Side-by-side card comparison
Tria vs Coinbase One
Tria Card has the higher Overall Score by 11 points (67 vs 56). Tria Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202644 official sources reviewed
Tria Card
Best fit
- Funding card purchases through Tria's self-custody crypto wallet.
- Choosing a paid cashback tier without staking or holding a required token.
- Lite users earning 1.5% on the first $1,000/month, then 0.5%.
Before you choose
- Lite costs $20/year, Pro $109 and Max $250; the wallet alone is not the card plan.
- Cashback is paid in batches, with terms allowing delays of up to 12 months.
- 0% Tria FX is not the total cost; issuer terms allow an FX fee up to 3%.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsTria CardOverall67Coinbase One CardOverall56
Tria CardOverall67Coinbase One CardOverall56Scores
- 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 Card40
- Transfers score
- Tria Card63Coinbase One Card24
Costs
- Plan cost
- Tria Card$20/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$20/year Lite membership; issued after payment and KYCCoinbase One CardNot disclosed
- Physical card
- Tria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gatedCoinbase One CardNot disclosed
Plans
- Available plans
- Tria Card3 plans: Lite, Pro, MaxCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Tria CardMax: 6%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
- 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
- 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
- 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
- Advertised APY
- Tria CardUp to 15% APYCoinbase One CardNot disclosed
- 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
- 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
- Official sources
- Tria Card21Coinbase One Card23
- Last reviewed
- Tria CardSep 30, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Tria or Coinbase One
Keeping control of your funds
Tria suits spending while retaining control of your funds until payment. With Coinbase One, control passes to the provider before the purchase.
How you receive rewards
Choose by the reward asset you want to receive: Tria lists USDC and/or USDT stablecoins cashback; Coinbase One lists Bitcoin. For Tria: Cashback is paid in batches, with terms allowing delays of up to 12 months.
Keeping recurring costs down
Tria's base plan is $20/year, compared with $49.99/year for Coinbase One. This favours Tria for occasional use; card issuance and transaction fees are separate.
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 ($20/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 October 11, 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.