TriaTria
67
Side-by-side card comparison
Tria vs Decaf
Tria Card has the higher Overall Score by 3 points (67 vs 64). Tria Card looks stronger for Cashback, Travel, and Funds control, while Decaf Card comes out ahead for Lowest fees and Transfers.
Latest check Oct 19, 202642 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%.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsTria CardOverall67Decaf CardOverall64
Tria CardOverall67Decaf CardOverall64Scores
- Overall Score
- Tria Card67Decaf Card64
- Cashback score
- Tria Card45Decaf Card29
- Travel score
- Tria Card63Decaf Card60
- Funds control score
- Tria Card91Decaf Card63
- Lowest fees score
- Tria Card51Decaf Card57
- Transfers score
- Tria Card63Decaf Card70
Costs
- Plan cost
- Tria Card$20/yearDecaf Card$0
- FX fee
- Tria Card0–3%Decaf Card1–2%
- Top-up fee
- Tria Card1%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Tria CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Decaf Card0% Decaf markup
- Virtual card
- Tria Card$20/year Lite membership; issued after payment and KYCDecaf Card$5
- Physical card
- Tria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gatedDecaf Card$90 international / $10 US
Plans
- Available plans
- Tria Card3 plans: Lite, Pro, MaxDecaf CardNot disclosed
- Top cashback plan
- Tria CardMax: 6%Decaf CardNot disclosed
Everyday use
- Network
- Tria CardVisaDecaf CardVisa
- Card formats
- Tria CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Tria CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Tria CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayDecaf CardNot disclosed
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayDecaf CardNot disclosed
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Decaf CardSolana, Stellar
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLDecaf CardStablecoins: USDC
- Fiat deposits
- Tria CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Tria CardStablecoin transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Tria CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Tria Card1.5%Decaf CardNot disclosed
- Max cashback
- Tria Card6%Decaf CardNot disclosed
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Tria CardUp to 15% APYDecaf CardNot disclosed
- How it works
- Tria CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Tria CardNot disclosedDecaf CardYes
- Use balance for spending
- Tria CardNot disclosedDecaf CardNot disclosed
- Lock-up
- Tria CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Tria CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Tria CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Tria CardNimbus, LLC, Third NationalDecaf CardThird National, Inc.
- Card processing
- Tria CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Tria CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Tria CardThreely Dimensions Inc.Decaf CardNot disclosed
Sources
- Official sources
- Tria Card21Decaf Card21
- Last reviewed
- Tria CardSep 30, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Tria or Decaf
Keeping recurring costs down
Decaf's base plan is $0, compared with $20/year for Tria. This favours Decaf for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Tria lists 0–3%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Using the crypto you already hold
Tria's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Tria vs Decaf FAQ
Is Tria or Decaf better overall?
Tria Card has the higher Overall Score (67 vs 64). 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 Decaf?
Decaf 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, Tria or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tria and Decaf differ on custody?
Tria Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tria vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.