WirexWirex One
77
Side-by-side card comparison
Wirex One vs Tria: overall score versus use-case fit
Wirex One Card has the higher Overall Score by 10 points (77 vs 67). Wirex One Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Funds control.
Information checked Aug 25, 202657 official sources reviewed
01 · Overall score versus use-case fit
Wirex One Card is the better all-round starting point
Wirex One Card 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.
OverallWirex One77Tria67Higher score
CashbackWirex One70Tria45Higher score
TravelWirex One85Tria62Higher score
Funds controlWirex One73Tria91Higher score
Lowest feesWirex One68Tria51Higher score
TransfersWirex One94Tria63Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card 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.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
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
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
- Wirex One77Tria67
Wirex One Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXTria$25/year plan · 0–3% FX
Wirex One Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Wirex One0.5% base · up to 8%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- Wirex OneNon-custodial accountTriaSelf-controlled wallet
Wirex One Card uses a non-custodial account 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
- Wirex OneVirtual + 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
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsTria2 stablecoins · Stablecoin transfers
Wirex One Card lists more stablecoins and ways to send money out (6 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
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 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
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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
CardsWirex One CardOverall77Tria CardOverall67
Wirex One CardOverall77Tria CardOverall67Scores
6 fields- Overall Score
- Wirex One Card77Tria Card67
- Cashback score
- Wirex One Card70Tria Card45
- Travel score
- Wirex One Card85Tria Card62
- Funds control score
- Wirex One Card73Tria Card91
- Lowest fees score
- Wirex One Card68Tria Card51
- Transfers score
- Wirex One Card94Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Wirex One Card$0Tria Card$25/year
- FX fee
- Wirex One Card0%Tria Card0–3%
- Top-up fee
- Wirex One CardNot disclosedTria Card1%
- Card spending fee
- Wirex One CardNot disclosedTria CardNot disclosed
- ATM fee
- Wirex One Card2%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Wirex One CardIncluded on every membership tierTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Tria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Wirex One CardBespoke: 8%Tria CardPremium: 6%
Everyday use
8 fields- Network
- Wirex One CardVisaTria CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableTria CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Wirex One CardBank funding, External card top-upTria CardNot disclosed
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsTria CardStablecoin transfers
- Payout currencies
- Wirex One CardUSD, EUR, GBPTria CardNot disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Tria Card1.5%
- Max cashback
- Wirex One Card8%Tria Card6%
- Reward currency
- Wirex One CardUSD cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredTria CardUp to 15% APY
- How it works
- Wirex One CardNot offeredTria CardOptional earn vault
- Separate deposit
- Wirex One CardNot offeredTria CardNot disclosed
- Use balance for spending
- Wirex One CardNot offeredTria CardNot disclosed
- Lock-up
- Wirex One CardNot offeredTria CardNo
Trust & availability
5 fields- Custody
- Wirex One CardNon-custodialTria CardSelf-custody
- Control until payment
- Wirex One CardNot disclosedTria CardYou keep control
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedTria CardNimbus, LLC, Third National
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Tria CardNot disclosed
- Programme operator
- Wirex One CardUAB WirexTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Wirex One Card36Tria Card21
- Last reviewed
- Wirex One CardAug 12, 2026Tria CardAug 25, 2026
04 · The trade-off
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 67 for Tria Card. Wirex One Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
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. Wirex One Card uses a non-custodial account 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.
Wirex One Card lists more stablecoins and ways to send money out (6 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 Wirex One Card and Tria Card reviews first.
Continue with
Wirex One Card
Continue with
Tria Card
05 · Common questions
Wirex One vs Tria FAQ
Is Wirex One or Tria better overall?
Wirex One Card has the higher Overall Score (77 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, Wirex One or Tria?
Wirex One 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, Wirex One or Tria?
Tria Card has the higher published base cashback rate (1.5% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Wirex One and Tria differ on custody?
Wirex One Card uses a non-custodial account 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 Wirex One vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.