TriaTria
67
Side-by-side card comparison
Tria vs Pionex: overall score versus use-case fit
Tria Card has the higher Overall Score by 10 points (67 vs 57). Tria Card looks stronger for Travel and Funds control, while Pionex Card comes out ahead for Cashback, Lowest fees, and Transfers.
Information checked Aug 25, 202680 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. Pionex Card may be the better fit for Cashback, 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.
OverallTria67Pionex57Higher score
CashbackTria45Pionex52Higher score
TravelTria62Pionex29Higher score
Funds controlTria91Pionex43Higher score
Lowest feesTria51Pionex58Higher score
TransfersTria63Pionex79Higher score
Choose Tria Card if travel and funds control matter most
Tria Card comes out ahead for 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 Pionex Card if cashback and lowest fees matter most
Pionex Card comes out ahead for Cashback, 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Tria67Pionex57
Tria Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXPionex$0 plan · Not disclosed FX
Pionex Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Tria1.5% base · up to 6%Pionex0.1% base · up to 1%
Tria Card has the higher published base cashback rate (1.5% vs 0.1%).
- Funds control
- TriaSelf-controlled walletPionexCustodial balance
Tria Card uses a self-controlled wallet setup, while Pionex 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 PayPionexVirtual · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tria2 stablecoins · Stablecoin transfersPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Pionex Card lists more stablecoins and ways to send money out (4 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall67Pionex CardOverall57
Tria CardOverall67Pionex CardOverall57Scores
6 fields- Overall Score
- Tria Card67Pionex Card57
- Cashback score
- Tria Card45Pionex Card52
- Travel score
- Tria Card62Pionex Card29
- Funds control score
- Tria Card91Pionex Card43
- Lowest fees score
- Tria Card51Pionex Card58
- Transfers score
- Tria Card63Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Tria Card$25/yearPionex Card$0
- FX fee
- Tria Card0–3%Pionex CardNot disclosed
- Top-up fee
- Tria Card1%Pionex CardNot disclosed
- Card spending fee
- Tria CardNot disclosedPionex Card3.5%
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Pionex CardNot available
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCPionex CardAvailable
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedPionex CardNot available
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Tria CardPremium: 6%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- Tria CardVisaPionex CardVisa/Mastercard
- Card formats
- Tria CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Tria CardAvailablePionex CardNot available
- Mobile wallets
- Tria CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebPionex CardNot disclosed
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hPionex CardNot available
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Pionex CardNot disclosed
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLPionex CardOther crypto: Supported crypto
- Fiat deposits
- Tria CardNot disclosedPionex CardNot disclosed
- Transfers
- Tria CardStablecoin transfersPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Tria CardNot disclosedPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Tria Card1.5%Pionex Card0.1%
- Max cashback
- Tria Card6%Pionex Card1%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackPionex CardUSDT
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYPionex CardUp to 5% APY
- How it works
- Tria CardOptional earn vaultPionex CardEarn on spending balance
- Separate deposit
- Tria CardNot disclosedPionex CardNo
- Use balance for spending
- Tria CardNot disclosedPionex CardYes
- Lock-up
- Tria CardNoPionex CardNo
Trust & availability
4 fields- Custody
- Tria CardSelf-custodyPionex CardCustodial
- Control until payment
- Tria CardYou keep controlPionex CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalPionex CardNot disclosed
- Programme operator
- Tria CardThreely Dimensions Inc.Pionex CardNot disclosed
Sources
2 fields- Official sources
- Tria Card21Pionex Card59
- Last reviewed
- Tria CardAug 25, 2026Pionex CardAug 14, 2026
04 · The trade-off
Tria Card is the stronger all-round choice
Tria Card finishes ahead with an Overall Score of 67 versus 57 for Pionex Card. Pionex Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0.1%).
Pionex Card still comes out ahead for Cashback, 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 Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Pionex Card lists more stablecoins and ways to send money out (4 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 Pionex Card reviews first.
Continue with
Tria Card
Continue with
Pionex Card
05 · Common questions
Tria vs Pionex FAQ
Is Tria or Pionex better overall?
Tria Card has the higher Overall Score (67 vs 57). 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 Pionex?
Pionex 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 Pionex?
Tria Card has the higher published base cashback rate (1.5% vs 0.1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tria and Pionex differ on custody?
Tria Card uses a self-controlled wallet setup, while Pionex 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 Pionex comparison?
The latest information check for these two cards was August 25, 2026, using 80 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.