TriaTria
67
Side-by-side card comparison
Tria vs Spritz: 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, Funds control, and Lowest fees, while Spritz Card comes out ahead for Transfers.
Information checked Aug 28, 202662 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. Spritz Card may be the better fit for 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.
OverallTria67Spritz62Higher score
CashbackTria45Spritz34Higher score
TravelTria62Spritz46Higher score
Funds controlTria91Spritz62Higher score
Lowest feesTria51Spritz44Higher score
TransfersTria63Spritz64Higher score
Choose Tria Card if cashback and travel matter most
Tria Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees 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 Spritz Card if transfers matters most
Spritz Card comes out ahead for Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Tria67Spritz62
Tria Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply FX
Spritz Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Tria1.5% base · up to 6%Spritz0% base · up to 5%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- TriaSelf-controlled walletSpritzHybrid custody
Tria Card uses a self-controlled wallet setup, while Spritz 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 PaySpritzVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tria2 stablecoins · Stablecoin transfersSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Tria Card lists more stablecoins and ways to send money out (3 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall67Spritz CardOverall62
Tria CardOverall67Spritz CardOverall62Scores
6 fields- Overall Score
- Tria Card67Spritz Card62
- Cashback score
- Tria Card45Spritz Card34
- Travel score
- Tria Card62Spritz Card46
- Funds control score
- Tria Card91Spritz Card62
- Lowest fees score
- Tria Card51Spritz Card44
- Transfers score
- Tria Card63Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Tria Card$25/yearSpritz Card$0
- FX fee
- Tria Card0–3%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Tria Card1%Spritz Card1–3%
- Card spending fee
- Tria CardNot disclosedSpritz Card0%
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Spritz CardNot disclosed
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCSpritz CardNot disclosed
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedSpritz CardNot disclosed
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumSpritz CardNot disclosed
- Top cashback plan
- Tria CardPremium: 6%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Tria CardVisaSpritz CardVisa
- Card formats
- Tria CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Tria CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Tria CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebSpritz CardiOS
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/daySpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/daySpritz CardNot disclosed
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Tria CardNot disclosedSpritz CardNot disclosed
- Transfers
- Tria CardStablecoin transfersSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Tria CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Tria Card1.5%Spritz Card0%
- Max cashback
- Tria Card6%Spritz Card5%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYSpritz CardNot offered
- How it works
- Tria CardOptional earn vaultSpritz CardNot offered
- Separate deposit
- Tria CardNot disclosedSpritz CardNot offered
- Use balance for spending
- Tria CardNot disclosedSpritz CardNot offered
- Lock-up
- Tria CardNoSpritz CardNot offered
Trust & availability
5 fields- Custody
- Tria CardSelf-custodySpritz CardHybrid custody
- Control until payment
- Tria CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalSpritz CardNot disclosed
- Card processing
- Tria CardNot disclosedSpritz CardRain
- Programme operator
- Tria CardThreely Dimensions Inc.Spritz CardNot disclosed
Sources
2 fields- Official sources
- Tria Card21Spritz Card41
- Last reviewed
- Tria CardAug 25, 2026Spritz CardAug 28, 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 Spritz Card. Spritz Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Spritz Card still comes out ahead for 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 Spritz Card uses a hybrid custody 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 1). 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 Spritz Card reviews first.
Continue with
Tria Card
Continue with
Spritz Card
05 · Common questions
Tria vs Spritz FAQ
Is Tria or Spritz 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 Spritz?
Spritz 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 Spritz?
Tria Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tria and Spritz differ on custody?
Tria Card uses a self-controlled wallet setup, while Spritz 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 Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 62 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.