WhopWhop
67
Side-by-side card comparison
Whop vs Tria: same score, different trade-offs
Whop Card and Tria Card share an Overall Score of 67. Whop Card looks stronger for Lowest fees and Transfers, while Tria Card comes out ahead for Cashback, Travel, and Funds control.
Information checked Aug 25, 202641 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Whop Card and Tria Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallWhop67Tria67Same score
CashbackWhop39Tria45Higher score
TravelWhop57Tria62Higher score
Funds controlWhop74Tria91Higher score
Lowest feesWhop56Tria51Higher score
TransfersWhop92Tria63Higher score
Choose Whop Card if lowest fees and transfers matter most
Whop 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.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
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
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Whop67Tria67
Both cards have the same displayed Overall Score of 67.
- Entry cost & FX
- WhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed FXTria$25/year plan · 0–3% FX
Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 0–3%).
- Purchase rewards
- Whop0% base · up to 5%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- WhopHybrid custodyTriaSelf-controlled wallet
Whop Card uses a hybrid custody setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- WhopVirtual + Physical · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Whop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Tria2 stablecoins · Stablecoin transfers
Whop Card lists more stablecoins and ways to send money out (8 vs 3).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 fiat
- 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
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWhop CardOverall67Tria CardOverall67
Whop CardOverall67Tria CardOverall67Scores
6 fields- Overall Score
- Whop Card67Tria Card67
- Cashback score
- Whop Card39Tria Card45
- Travel score
- Whop Card57Tria Card62
- Funds control score
- Whop Card74Tria Card91
- Lowest fees score
- Whop Card56Tria Card51
- Transfers score
- Whop Card92Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Whop CardSpend Whop revenue before bank payout, Five percent in three business categoriesTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Whop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Whop CardNot disclosedTria Card$25/year
- FX fee
- Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedTria Card0–3%
- Top-up fee
- Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Tria Card1%
- Card spending fee
- Whop Card0%Tria CardNot disclosed
- ATM fee
- Whop CardATM access, issuer fee and limit are not separately confirmedTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Whop CardNot disclosedTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Whop CardNot disclosedTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Whop CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Whop CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Whop CardVisaTria CardVisa
- Card formats
- Whop CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Whop CardNot disclosedTria CardAvailable
- Mobile wallets
- Whop CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Whop CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Whop CardATM access and numeric withdrawal limits are unclearTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Whop CardEthereum, Polygon, Optimism, ArbitrumTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Whop CardStablecoins: USDTTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Whop CardStored payment method top-up, Dynamic bank deposit instructionsTria CardNot disclosed
- Transfers
- Whop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Tria CardStablecoin transfers
- Payout currencies
- Whop CardUSDTria CardNot disclosed
Rewards
3 fields- Base cashback
- Whop Card0%Tria Card1.5%
- Max cashback
- Whop Card5%Tria Card6%
- Reward currency
- Whop CardWhop account cash-back creditTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Whop CardUp to 6% APYTria CardUp to 15% APY
- How it works
- Whop CardOptional earn vaultTria CardOptional earn vault
- Separate deposit
- Whop CardNoTria CardNot disclosed
- Use balance for spending
- Whop CardNot disclosedTria CardNot disclosed
- Lock-up
- Whop CardNoTria CardNo
Trust & availability
5 fields- Custody
- Whop CardHybrid custodyTria CardSelf-custody
- Control until payment
- Whop CardProvider controls fundsTria CardYou keep control
- Card issuer
- Whop CardThird NationalTria CardNimbus, LLC, Third National
- Custody / key management
- Whop CardPrivyTria CardNot disclosed
- Programme operator
- Whop CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Whop Card20Tria Card21
- Last reviewed
- Whop CardAug 11, 2026Tria CardAug 25, 2026
04 · The closer call
Whop Card and Tria Card need a closer personal call
The Overall Score ends level at 67, so there is no honest all-round winner here. Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 0–3%). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Whop Card looks stronger for Lowest fees and Transfers, while Tria Card comes out ahead for Cashback, Travel, and Funds control. Whop Card uses a hybrid custody setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Whop Card lists more stablecoins and ways to send money out (8 vs 3). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Whop Card and Tria Card reviews first.
Continue with
Whop Card
Continue with
Tria Card
05 · Common questions
Whop vs Tria FAQ
Is Whop or Tria better overall?
Whop Card and Tria Card tie at 67 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Whop or Tria?
Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Whop or Tria?
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 Whop and Tria differ on custody?
Whop Card uses a hybrid custody setup, while Tria Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Whop vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.