TriaTria
67
Side-by-side card comparison
Tria vs Lava: overall score versus use-case fit
Tria Card has the higher Overall Score by 5 points (67 vs 62). Tria Card looks stronger for Cashback, Travel, and Funds control, while Lava Card comes out ahead for Lowest fees and Transfers.
Information checked Oct 6, 202649 official sources reviewed
01 · Overall score versus use-case fit
Tria Card is the better all-round starting point
Tria Card has the higher Overall Score in this comparison. Lava Card may be the better fit for Lowest fees and Transfers. 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.
OverallTria67Lava62Higher score
CashbackTria45Lava36Higher score
TravelTria63Lava46Higher score
Funds controlTria91Lava56Higher score
Lowest feesTria51Lava59Higher score
TransfersTria63Lava80Higher score
Choose Tria Card if cashback and travel matter most
Tria Card comes out ahead for Cashback, Travel, 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 Lava Card if lowest fees and transfers matter most
Lava Card comes out ahead for 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.
- No provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
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
- Tria67Lava62
Tria Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Tria$20/year plan · 0–3% FXLava$0 plan · 0% provider FX fee FX
Lava Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Tria1.5% base · up to 6%LavaUp to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- TriaSelf-controlled walletLavaHybrid custody
Tria Card uses a self-controlled wallet setup, while Lava Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TriaVirtual + Physical · Apple Pay, Google PayLavaCard format not disclosed · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Tria2 stablecoins · Stablecoin transfersLava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
Lava 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
- $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
- Cashback
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 1 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 CardOverall67Lava CardOverall62
Tria CardOverall67Lava CardOverall62Scores
6 fields- Overall Score
- Tria Card67Lava Card62
- Cashback score
- Tria Card45Lava Card36
- Travel score
- Tria Card63Lava Card46
- Funds control score
- Tria Card91Lava Card56
- Lowest fees score
- Tria Card51Lava Card59
- Transfers score
- Tria Card63Lava Card80
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersLava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- Tria Card$20/yearLava Card$0
- FX fee
- Tria Card0–3%Lava Card0% provider FX fee
- Top-up fee
- Tria Card1%Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- Tria CardNot disclosedLava CardNot disclosed
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Lava Card2%; min $1
- Virtual card
- Tria Card$20/year Lite membership; issued after payment and KYCLava CardNot disclosed
- Physical card
- Tria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gatedLava CardNot disclosed
Plans
2 fields- Available plans
- Tria Card3 plans: Lite, Pro, MaxLava CardNot disclosed
- Top cashback plan
- Tria CardMax: 6%Lava CardNot disclosed
Everyday use
8 fields- Network
- Tria CardVisaLava CardVisa
- Card formats
- Tria CardVirtual, PhysicalLava CardNot disclosed
- ATM withdrawals
- Tria CardAvailableLava CardNot disclosed
- Mobile wallets
- Tria CardApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebLava CardiOS, Android, Web
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayLava CardAccount-specific; universal monthly amount not disclosed.
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Lava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLLava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- Tria CardNot disclosedLava CardLava account bank funding
- Transfers
- Tria CardStablecoin transfersLava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- Tria CardNot disclosedLava CardUSD, EUR
Rewards
3 fields- Base cashback
- Tria Card1.5%Lava CardNot disclosed
- Max cashback
- Tria Card6%Lava Card5%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackLava CardBTC
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYLava CardUp to 6.5% APY
- How it works
- Tria CardOptional earn vaultLava CardOptional earn vault
- Separate deposit
- Tria CardNot disclosedLava CardYes
- Use balance for spending
- Tria CardNot disclosedLava CardNo
- Lock-up
- Tria CardNoLava CardNo
Trust & availability
4 fields- Custody
- Tria CardSelf-custodyLava CardHybrid custody
- Control until payment
- Tria CardYou keep controlLava CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalLava CardThird National
- Programme operator
- Tria CardThreely Dimensions Inc.Lava CardNot disclosed
Sources
2 fields- Official sources
- Tria Card21Lava Card28
- Last reviewed
- Tria CardSep 30, 2026Lava CardOct 6, 2026
04 · The trade-off
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 versus 62 for Lava Card. Lava Card has the lower starting plan cost ($0 vs $20/year). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Lava Card still comes out ahead for Lowest fees and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tria Card uses a self-controlled wallet setup, while Lava Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Lava 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 Lava Card reviews first.
Continue with
Tria Card
Continue with
Lava Card
05 · Common questions
Tria vs Lava FAQ
Is Tria or Lava better overall?
Tria Card has the higher Overall Score (67 vs 62). 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 Lava?
Lava 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 Lava?
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 Lava differ on custody?
Tria Card uses a self-controlled wallet setup, while Lava Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tria vs Lava comparison?
The latest information check for these two cards was October 6, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.