ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Tria: overall score versus use-case fit
ZEN Card has the higher Overall Score by 10 points (77 vs 67). ZEN Card looks stronger for Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Cashback and Funds control.
Information checked Aug 25, 202664 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN 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.
OverallZEN77Tria67Higher score
CashbackZEN39Tria45Higher score
TravelZEN96Tria62Higher score
Funds controlZEN65Tria91Higher score
Lowest feesZEN80Tria51Higher score
TransfersZEN98Tria63Higher score
Choose ZEN Card if travel and lowest fees matter most
ZEN 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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
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
- ZEN77Tria67
ZEN Card has the higher Overall Score by 10 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXTria$25/year plan · 0–3% FX
ZEN Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- ZEN0% baseTria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- ZENCustodial balanceTriaSelf-controlled wallet
ZEN Card uses a custodial balance 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
- ZENVirtual + 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
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersTria2 stablecoins · Stablecoin transfers
ZEN Card lists more stablecoins and ways to send money out (5 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.
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 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
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
CardsZEN CardOverall77Tria CardOverall67
ZEN CardOverall77Tria CardOverall67Scores
6 fields- Overall Score
- ZEN Card77Tria Card67
- Cashback score
- ZEN Card39Tria Card45
- Travel score
- ZEN Card96Tria Card62
- Funds control score
- ZEN Card65Tria Card91
- Lowest fees score
- ZEN Card80Tria Card51
- Transfers score
- ZEN Card98Tria Card63
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- ZEN Card$0Tria Card$25/year
- FX fee
- ZEN Card0–0.5%Tria Card0–3%
- Top-up fee
- ZEN Card0–3%Tria Card1%
- Card spending fee
- ZEN Card0%Tria CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Tria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- ZEN CardFree: 0%Tria CardPremium: 6%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaTria CardVisa
- Card formats
- ZEN CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableTria CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebTria CardiOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- ZEN CardNot publicly confirmedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Tria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upTria CardNot disclosed
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersTria CardStablecoin transfers
- Payout currencies
- ZEN CardEURTria CardNot disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Tria Card1.5%
- Max cashback
- ZEN CardNot disclosedTria Card6%
- Reward currency
- ZEN CardTransaction currencyTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- ZEN CardNot offeredTria CardUp to 15% APY
- How it works
- ZEN CardNot offeredTria CardOptional earn vault
- Separate deposit
- ZEN CardNot offeredTria CardNot disclosed
- Use balance for spending
- ZEN CardNot offeredTria CardNot disclosed
- Lock-up
- ZEN CardNot offeredTria CardNo
Trust & availability
5 fields- Custody
- ZEN CardCustodialTria CardSelf-custody
- Control until payment
- ZEN CardProvider controls fundsTria CardYou keep control
- Card issuer
- ZEN CardUAB ZEN.COMTria CardNimbus, LLC, Third National
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCTria CardNot disclosed
- Programme operator
- ZEN CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- ZEN Card43Tria Card21
- Last reviewed
- ZEN CardAug 23, 2026Tria CardAug 25, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 67 for Tria Card. ZEN Card has the lower starting plan cost ($0 vs $25/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. ZEN Card uses a custodial balance 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.
ZEN Card lists more stablecoins and ways to send money out (5 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 ZEN Card and Tria Card reviews first.
Continue with
ZEN Card
Continue with
Tria Card
05 · Common questions
ZEN vs Tria FAQ
Is ZEN or Tria better overall?
ZEN 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, ZEN or Tria?
ZEN 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, ZEN 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 ZEN and Tria differ on custody?
ZEN Card uses a custodial balance 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 ZEN vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.