Tria Card
- Incredibly generous fee structure
- Up to 6% cashback
- Supports 220+ countries
- Excellent customer service
- Fun to use - lots of perks and rewards
- Can't unload the card once topped up
- No Bank Account offered
- Physical Card delivery still rolling out
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 1.60 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | ~0.4% |
| Highest Cashback | up to 6% |
| Entry-Level Cashback | 1.5% |
| Entry-Level Cashback Monthly Cap | 100,000 USD |
| Daily Spending Limit | 1,000,000 USD |
| Daily ATM Withdrawal Limit | 750 USD |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Blockchains | ArbitrumBaseBinance Smart ChainEthereumOptimismPolygon |
| Supported Cryptocurrencies | USDCUSDT |
| Supported Countries | AndorraUnited Arab EmiratesAfghanistanAntigua and BarbudaAnguillaAlbaniaArmenia |
Your Tria Card: non-custodial card with unlimited spend and 0% fx fees
Tria Card Benefits and Rewards
Tria Card offers 1.5% cashback on the Virtual tier, 4.5% on Signature, and 6% on Premium. Rewards are not paid as immediate cash and are scheduled to be distributed after the Token Generation Event (TGE).
| Virtual
$20/year |
Signature
$90/year |
Premium
$225/year |
|
| Cashback | 1.5% | 4.5% | 6% |
| Auto Rental Insurance | |||
| Baggage Delay Coverage | |||
| Baggage Loss Coverage | |||
| Airport Lounge Acces |
Reality Check While Tria Card promotes up to 6% cashback, if you're an entry-level user, you'll qualify for 1.5% cashback, capped at 100,000 USD per month.
Are other cards more generous at base tier? No, they are not. In fact, Tria Card offers more value for the entry-level user, than most competitors:
| Tria Card | Industry Average1 | |
| Entry Level Cashback | 1.5% | 1% |
| Entry Level Cashback Monthly Cap | 100,000 USD | 55 USD |
You also earn XP points every time you use the card. The amount of XP depends on how much you spend in USD and your account multiplier, so higher tiers earn faster. You can earn XP from card spending, referrals, trading, Earn vaults, daily check-ins, onboarding actions, etc.
XP Points help you unlock higher levels, better multipliers, seasonal rewards, and other Tria perks. They do not have a fixed cash value, they are loyalty points that bring you extra benefits over time.
With all the cashback, XP points, rewards, and perks, Tria makes it feel like you are playing a fun game. You will keep you coming back, for sure:)
Tria Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Useful Card Structure:Tria Card functions like a debit card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Tria Card differs from a traditional debit card, where the balance is linked directly to your bank account.
With Tria, you'll need to top up your card before use. It should be noted that Tria doesn't offer a bank account with this card, as some crypto cards do, which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It Comes in Both Physical and Virtual Forms
You can get Tria Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They'll mail you the physical card, and you can instantly get the virtual card online after completing KYC Identity Verification.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 90 USD | Cost to Order: 20 USD |
You will find the physical Tria Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
The back of Tria Card
| Card Issuer | Rain |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 45492406 |
| Validity Period | 5 years |
| Issuing Country | Puerto Rico |
Rain is the card issuer used by several other crypto cards, including Ether.fi Card and Kolo Card.
Crypto-to-USD Conversion Cost with Tria Card
Tria Card Requires Pre-Load
Before you can use your Tria Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to USD and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~0.4% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | You Pay 0% Gas Fees |
| Total Crypto to USD Cost | ~0.4% |
Low Cost:Compared to the average ~1.6% crypto-to-fiat cost of other cards, converting crypto with Tria Card is much more cost-effective (~0.4%). This means that you will get more USD for your crypto when using this card.
Rare Feature: Tria subsidizes your Gas Fees, so you pay effectively 0%. This is a unique rare feature. Just think about it... No gas fees for you to pay? That's amazing.
From all crypto cards we reviewed, KAST Card, Xapo Card and WhiteBIT Card offer the cheapest crypto-to-fiat conversions (~0%, ~0.1% and ~0.28% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Tria Card Compare to Other Crypto Cards?
Tria Card ranks #2 out of 68 amongst all the crypto cards we have reviewed so far. This means it's in the Top 5%.
In addition, Tria Card ranks #1 out of 19 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of Tria Card against its 67 competitors:
- Offers impressive maximum cashback of up to 6% (other cards have an average of 4%).
- Offers up to 100,000 USD per month in cashback for entry-level users (exceeding the competitors' 55 USD average).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Offers a generous 1,000,000 USD daily spend limit (other cards offer 10,000 USD limit on average).
- Their customer service is very good with a 9.1/10 score (others score only 7.3/10 on average).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0.4% (versus an average of ~1.6% with other cards.)
- Their overall fees & limits structure is incredibly generous, with a score of 9.8/10 (average fees & limits structure rating amongst other cards is 6.3/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 67 competitors, here are the shortcomings of Tria Card:
- Supports only 2 cryptocurrencies, USDC and USDT (while other cards support an average of 15).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
- No way to unload funds once they are loaded to the card (while about 70% of crypto cards let you take funds back out).
- Doesn't offer any free ATM withdrawals (in contrast to 40% of crypto cards which offer an average of 200 USD free withdrawal allowance per month).
Tria Card vs. Ether.fi Card vs. Phantom Card
Tria Card
|
Ether.fi Card
|
Phantom Card
|
|
|---|---|---|---|
| Monthly Fee | 1.60 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~0.4% | 0% + Gas Fees | ~0.95% + Gas Fees |
| Highest Cashback | up to 6% | up to 3% | None |
| Entry-Level Cashback | 1.5% | 3% | None |
| Daily Spending Limit | 1,000,000 USD | 50,000 USD | 5,000 USD |
| Daily ATM Limit | 750 USD | 750 USD | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 0% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 2 | 4 | 1382 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Average |
| Brand Authority | Growing | Growing | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Tria Card offers the highest daily spending limit of 1,000,000 USD. You will get lower daily limits with Ether.fi Card and Phantom Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Tria Card offers the best cashback rewards of up to 6%. The cashback rewards for Ether.fi Card are not as high. With Phantom Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Tria Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in USD
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Tria Card:
Starting with an initial amount of 200 USD in USDT, the ATM withdrawal with Tria Card will cost you a total of ~6.79 USD (3.4% of 200 USD), resulting in a final cash withdrawal of 193.21 USD in hand.
Doesn't Tria Card Offer Free ATM Withdrawals?
No, it doesn't. Which is a shame, because 40% of competing cards offer free ATM withdrawals, typically allowing up to 200 USD per month without fees.
International non-USD ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Tria Card, here's what it will look like:
For an international withdrawal using your Tria Card with an initial 200 USD in USDT, you'll incur fees totaling ~12.76 USD (6.4% of 200 USD), leaving you with 187.24 USD in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Tria Card is more cost-effective for both local and international ATM withdrawals:
| Cost with Tria Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~6.8 USD (3.4% of 200 USD) | ~8.6 USD (4.3% of 200 USD) |
| International ATM Withdrawals | ~12.8 USD (6.4% of 200 USD) | ~17.8 USD (8.9% of 200 USD) |
From all crypto cards that we reviewed, Bleap Card, Trade Republic Card and Holyheld Card offer the cheapest local ATM withdrawals (1.8%, 2.2% and 2.5% of 200 USD respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 USD.
We Tested Tria's Customer Support
We asked Tria's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Tria offers support via the following channels:
| Chat | in-app |
| [email protected] |
Location: Tria customer service reps are located in 
India.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 9 min) | Explained clearly, gave additional details, answered quickly. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 1 min) | Straightforward and honest answer to a question about the 1% fee waiver, admitted they don't have a confirmed date for when it kicks in. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 4 min) | No fluff response that explained the auto-conversion feature and honestly flagged potential delays. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 7 min) | Gave conflicting information about the daily spend limit — first said $750 per transaction, then confirmed $1 million per day. | Moderate Competence Somewhat Personalized Flawless English, Professional Tone 7/10 |
Chat (replied in 9 min) | Answered question about no unload from the card, gave additional info about ATM fees and limits. Felt a bit AI-ish, but excellent. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
To summarize,
Competence and Problem-Solving: More often than not, Tria's customer service responses are highly competent, proving they're a company that takes your questions seriously.
Customer Love: Tria's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 6 minutes, significantly saving your time.
Overall Customer Service Rating: 9.1/10
This excellent score places Tria's Customer Service well above the crypto card industry average of 7.3/10.
Tria Access Code - to Get 6% Cashback on Card Spending
You can use Tria access code 5FX8274295 to get 6% Cashback on card spending.
Here's how you can enter the access code when signing up:
..or, just click here.
Your cashback hits as soon as you enter this code, jump the waitlist, grab Early Access and create your card.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Tria Card supports 220+ countries
Is Tria Card Available for Residents of United States?
Yes, Tria Card is available for residents of United States.
Tria Card supports the following countries: Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius, and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, El Salvador, Equatorial Guinea, Eritrea, Estonia, Ethiopia, Falkland Islands, Faroe Islands, Federated States of Micronesia, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, New Caledonia, New Zealand, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, St Kitts and Nevis, St Vincent and Grenadines, Sudan, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, The Netherlands, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 16 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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