TriaTria
67
Side-by-side card comparison
Tria vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 3 points (70 vs 67). Tria Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202642 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Cashback and 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.
OverallTria67Xapo70Higher score
CashbackTria45Xapo24Higher score
TravelTria62Xapo91Higher score
Funds controlTria91Xapo63Higher score
Lowest feesTria51Xapo77Higher score
TransfersTria63Xapo100Higher score
Choose Tria Card if cashback and funds control matter most
Tria Card comes out ahead for Cashback 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 Xapo Card if travel and lowest fees matter most
Xapo Card comes out ahead for 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- Tria67Xapo70
Xapo Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXXapo$1,000/year plan · 0–0.29% FX
Tria Card has the lower starting plan cost ($25/year vs $1,000/year).
- Purchase rewards
- Tria1.5% base · up to 6%Xapo0% base · up to 3%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- TriaSelf-controlled walletXapoCustodial balance
Tria Card uses a self-controlled wallet setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
Tria Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Tria2 stablecoins · Stablecoin transfersXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall67Xapo CardOverall70
Tria CardOverall67Xapo CardOverall70Scores
6 fields- Overall Score
- Tria Card67Xapo Card70
- Cashback score
- Tria Card45Xapo Card24
- Travel score
- Tria Card62Xapo Card91
- Funds control score
- Tria Card91Xapo Card63
- Lowest fees score
- Tria Card51Xapo Card77
- Transfers score
- Tria Card63Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Tria Card$25/yearXapo Card$1,000/year
- FX fee
- Tria Card0–3%Xapo Card0–0.29%
- Top-up fee
- Tria Card1%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Tria CardNot disclosedXapo Card0%
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Xapo Card0–2%
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Tria CardPremium: 6%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Tria CardVisaXapo CardVisa/Mastercard
- Card formats
- Tria CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Tria CardAvailableXapo CardAvailable
- Mobile wallets
- Tria CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Tria CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Tria CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Tria CardStablecoin transfersXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Tria CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Tria Card1.5%Xapo Card0%
- Max cashback
- Tria Card6%Xapo Card3%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYXapo CardUp to 3.35% APY
- How it works
- Tria CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Tria CardNot disclosedXapo CardNo
- Use balance for spending
- Tria CardNot disclosedXapo CardYes
- Lock-up
- Tria CardNoXapo CardNo
Trust & availability
5 fields- Custody
- Tria CardSelf-custodyXapo CardCustodial
- Control until payment
- Tria CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalXapo CardTransact Payments Malta Limited
- Bank transfers
- Tria CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Tria CardThreely Dimensions Inc.Xapo CardNot disclosed
Sources
2 fields- Official sources
- Tria Card21Xapo Card21
- Last reviewed
- Tria CardAug 25, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 67 for Tria Card. Tria Card has the lower starting plan cost ($25/year vs $1,000/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Tria Card still comes out ahead for Cashback and 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Tria Card
Continue with
Xapo Card
05 · Common questions
Tria vs Xapo FAQ
Is Tria or Xapo better overall?
Xapo Card 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 Xapo?
Tria Card has the lower starting plan cost ($25/year vs $1,000/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 Xapo?
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 Xapo differ on custody?
Tria Card uses a self-controlled wallet setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 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.