TriaTria
67
Side-by-side card comparison
Tria vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 3 points (70 vs 67). Tria Card looks stronger for Funds control, while Uphold Card US comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Oct 14, 202634 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Tria Card may be the better fit for Funds control. 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.
OverallTria67Uphold US70Higher score
CashbackTria45Uphold US75Higher score
TravelTria63Uphold US71Higher score
Funds controlTria91Uphold US44Higher score
Lowest feesTria51Uphold US56Higher score
TransfersTria63Uphold US65Higher score
Choose Tria Card if funds control matters most
Tria Card comes out ahead for 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 Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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
- Tria67Uphold US70
Uphold Card US has the higher Overall Score by 3 points.
- Entry cost & FX
- Tria$20/year plan · 0–3% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Tria1.5% base · up to 6%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 1.5%).
- Funds control
- TriaSelf-controlled walletUphold USCustodial balance
Tria Card uses a self-controlled wallet setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tria2 stablecoins · Stablecoin transfersUphold US0 stablecoins · US bank withdrawal
Tria Card lists more stablecoins and ways to send money out (3 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 CardOverall67Uphold Card USOverall70
Tria CardOverall67Uphold Card USOverall70Scores
6 fields- Overall Score
- Tria Card67Uphold Card US70
- Cashback score
- Tria Card45Uphold Card US75
- Travel score
- Tria Card63Uphold Card US71
- Funds control score
- Tria Card91Uphold Card US44
- Lowest fees score
- Tria Card51Uphold Card US56
- Transfers score
- Tria Card63Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Tria Card$20/yearUphold Card US$0
- FX fee
- Tria Card0–3%Uphold Card US0–1.5%
- Top-up fee
- Tria Card1%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Tria CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Tria Card$20/year Lite membership; issued after payment and KYCUphold Card USFree on both plans
- Physical card
- Tria CardPro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gatedUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Tria Card3 plans: Lite, Pro, MaxUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Tria CardMax: 6%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Tria CardVisaUphold Card USVisa
- Card formats
- Tria CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Tria CardAvailableUphold Card USAvailable
- Mobile wallets
- Tria CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Tria CardiOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Uphold Card USNot disclosed
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLUphold Card USNot disclosed
- Fiat deposits
- Tria CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Tria CardStablecoin transfersUphold Card USUS bank withdrawal
- Payout currencies
- Tria CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Tria Card1.5%Uphold Card US2%
- Max cashback
- Tria Card6%Uphold Card US4%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYUphold Card USNot offered
- How it works
- Tria CardOptional earn vaultUphold Card USNot offered
- Separate deposit
- Tria CardNot disclosedUphold Card USNot offered
- Use balance for spending
- Tria CardNot disclosedUphold Card USNot offered
- Lock-up
- Tria CardNoUphold Card USNot offered
Trust & availability
5 fields- Custody
- Tria CardSelf-custodyUphold Card USCustodial
- Control until payment
- Tria CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalUphold Card USCross River Bank
- Custody / key management
- Tria CardNot disclosedUphold Card USUphold HQ Inc.
- Programme operator
- Tria CardThreely Dimensions Inc.Uphold Card USNot disclosed
Sources
2 fields- Official sources
- Tria Card21Uphold Card US13
- Last reviewed
- Tria CardSep 30, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 67 for Tria Card. Uphold Card US has the lower starting plan cost ($0 vs $20/year). Uphold Card US has the higher published base cashback rate (2% vs 1.5%).
Tria Card still comes out ahead for Funds control, 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 Uphold Card US uses a custodial balance 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 2). 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 Uphold Card US reviews first.
Continue with
Tria Card
Continue with
Uphold Card US
05 · Common questions
Tria vs Uphold US FAQ
Is Tria or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 67). 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 Uphold US?
Uphold Card US 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 Uphold US?
Uphold Card US 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 Uphold US differ on custody?
Tria Card uses a self-controlled wallet setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.