XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Tria: overall score versus use-case fit
XPlace Card has the higher Overall Score by 1 point (68 vs 67). XPlace Card looks stronger for Cashback and Lowest fees, while Tria Card comes out ahead for Travel, Funds control, and Transfers.
Information checked Aug 27, 202647 official sources reviewed
01 · Overall score versus use-case fit
XPlace Card is the better all-round starting point
XPlace Card has the higher Overall Score in this comparison. Tria Card may be the better fit for Travel, Funds control, and 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.
OverallXPlace68Tria67Higher score
CashbackXPlace49Tria45Higher score
TravelXPlace61Tria62Higher score
Funds controlXPlace67Tria91Higher score
Lowest feesXPlace69Tria51Higher score
TransfersXPlace62Tria63Higher score
Choose XPlace Card if cashback and lowest fees matter most
XPlace Card comes out ahead for Cashback 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
Choose Tria Card if travel and funds control matter most
Tria Card comes out ahead for Travel, Funds control, and Transfers 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
- XPlace68Tria67
XPlace Card has the higher Overall Score by 1 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXTria$25/year plan · 0–3% FX
XPlace Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- XPlace0.5% base · up to 4%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- XPlaceHybrid custodyTriaSelf-controlled wallet
XPlace 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
- XPlaceVirtual + 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
- XPlace2 stablecoins · Stablecoin transfersTria2 stablecoins · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
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%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
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
CardsXPlace CardOverall68Tria CardOverall67
XPlace CardOverall68Tria CardOverall67Scores
6 fields- Overall Score
- XPlace Card68Tria Card67
- Cashback score
- XPlace Card49Tria Card45
- Travel score
- XPlace Card61Tria Card62
- Funds control score
- XPlace Card67Tria Card91
- Lowest fees score
- XPlace Card69Tria Card51
- Transfers score
- XPlace Card62Tria Card63
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- XPlace Card$0Tria Card$25/year
- FX fee
- XPlace Card0–1%Tria Card0–3%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesTria Card1%
- Card spending fee
- XPlace Card0%Tria CardNot disclosed
- ATM fee
- XPlace CardNot availableTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- XPlace CardNot disclosedTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- XPlace CardPlatinum: 2%Tria CardPremium: 6%
Everyday use
8 fields- Network
- XPlace CardVisaTria CardVisa
- Card formats
- XPlace CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availableTria CardAvailable
- Mobile wallets
- XPlace CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- XPlace CardNot available while only the virtual card is liveTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- XPlace CardSolanaTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- XPlace CardStablecoins: USDCTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- XPlace CardNot disclosedTria CardNot disclosed
- Transfers
- XPlace CardStablecoin transfersTria CardStablecoin transfers
- Payout currencies
- XPlace CardNot disclosedTria CardNot disclosed
Rewards
3 fields- Base cashback
- XPlace Card0.5%Tria Card1.5%
- Max cashback
- XPlace Card4%Tria Card6%
- Reward currency
- XPlace CardUSDCTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYTria CardUp to 15% APY
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultTria CardOptional earn vault
- Separate deposit
- XPlace CardYesTria CardNot disclosed
- Use balance for spending
- XPlace CardNoTria CardNot disclosed
- Lock-up
- XPlace CardNoTria CardNo
Trust & availability
6 fields- Custody
- XPlace CardHybrid custodyTria CardSelf-custody
- Control until payment
- XPlace CardProvider controls fundsTria CardYou keep control
- Card issuer
- XPlace CardThird NationalTria CardNimbus, LLC, Third National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Tria CardNot disclosed
- Identity verification
- XPlace CardSumsubTria CardNot disclosed
- Programme operator
- XPlace CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- XPlace Card26Tria Card21
- Last reviewed
- XPlace CardAug 27, 2026Tria CardAug 25, 2026
04 · The trade-off
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 versus 67 for Tria Card. XPlace 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 Travel, Funds control, and Transfers, which may matter more than the overall result if that is how you plan to use the card. XPlace 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.
Both cards list the same number of stablecoins and ways to send money out. 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 XPlace Card and Tria Card reviews first.
Continue with
XPlace Card
Continue with
Tria Card
05 · Common questions
XPlace vs Tria FAQ
Is XPlace or Tria better overall?
XPlace Card has the higher Overall Score (68 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, XPlace or Tria?
XPlace 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, XPlace 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 XPlace and Tria differ on custody?
XPlace 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 XPlace vs Tria comparison?
The latest information check for these two cards was August 27, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.