Tria Card Review 2026

Name: Tria Card
Brand: Visa
Price: 25 USD
Availability: InStock

Last reviewed August 2026 · Fact-checked August 8, 2026 against issuer documentation

3.9 / 5.0Sweepbase rating

How this rating is calculated · Algorithmic score, not user reviews

Affiliate partner · Editor’s PickWe may earn a commission if you sign up through our link. This has zero effect on the card’s rating. How this works · Disclosure

Independently reviewed by Mihail B. · how we verify

CustodySelf-custody

NetworkVisa Signature

CashbackTiered cashback: Virtual 1.5% (capped $100/mo then 0.5%), Signature 4.5% (capped $1,000/mo then 1%), Premium 6% (capped $2,000/mo then 1%). Paid in stablecoins (USDC and/or USDT) to the connected self-custody wallet per Tria Card Cashback Terms, docs.tria.so, updated 1 Jun 2026; distribution can lag up to 12 months after the cashback period and undistributed cashback is forfeited on account closure. Cashback has no token payout; a TRIA token exists only in separate Airdrop Terms. 100% crypto collateral required. Realistic cashback: 1.5-6% in USDC/USDT, deferred. First payout we observed landed 28 Jul 2026: $0.06 on a $1.16 charge at the Premium tier, after the all-time Cashbacks counter had read $0 for months. At that size a cent of rounding cannot separate 5% from the advertised 6%, so treat it as proof the mechanism pays, not as confirmation of the headline rate.

Regions150+ countries; United States excluded

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Card Overview

The best-built app we have used in this category, wrapped around a card whose two headline numbers both need reading twice. We hold this one and spent on it. Cashback is tiered by product: 1.5% on the virtual card, 4.5% on Signature, 6% on Premium, each capped by monthly spend (the 6% band ends at $2,000, then drops to 1%). It pays in USDC or USDT to your own wallet, not in a token and not on a vesting schedule, though distribution can lag up to twelve months and anything undistributed is forfeited if you close the account. Ours read $0 for months before the first six cents landed. The other number is foreign exchange. On a live euro purchase we measured 2.64% over the interbank rate, of which 1.12 points sat inside Tria's own quoted rate and appeared on no line item; Visa's 1% and Tria's 0.50% were the only parts the app named. Yield is a separate product, not the card balance: the in-app tile advertises up to 22.17% APY on AUSD, and a real position held 117 days returned about 4.8% once the swap in and back out was paid. Support answers quickly and answers like a person. The physical card ships only to the countries Tria has opened so far, which is a short list. United States excluded per the card terms. Best fit: non-US self-custody spenders who want one app across many chains and will read the caps before chasing the 6%.

Tria launched in December 2025 as a non-custodial neobank: Bitcoin tops the card up straight from a hardware wallet, mobile wallet or multisig, and Tria never takes possession of it. The Smart Account underneath uses account abstraction, so transfers are gasless. A Visa card spends against that balance in 100+ countries, with a USD bank account for US citizens, plus Apple Pay and Google Pay. Yield sits in separate self-custodial Earn strategies rather than on the card balance itself; we measured one round trip at 4.8% annualised against an in-app tile advertising up to 22.17%. The physical card is orderable and ships to a country list Tria is still expanding.

Editor’s note by Mihail B. · Founder & Editor

Reviewed August 2026 Tested hands-on

Tria shipped the first self-custodial Bitcoin top-up for a debit card in December 2025, which is a genuine first. Before that, every self-custody card forced you to route BTC through a wrapper or a custodian. The reward tiers look good on paper at 6% for Premium, but that requires a paid subscription and the fine print caps the boosted rate at a narrow spending band. Base virtual tier runs 1.5%. The 1% international fee on the US card climbs to 3% on the international card. Account Abstraction smooths the UX but adds complexity during recovery. If self-custody BTC spending is your specific requirement, Tria is now the answer. For anything else, there are cheaper cards. One more thing worth separating: Tria also runs a points-farming and airdrop track next to the card, under its own Airdrop Terms. Treat that as a small side bonus, not a rewards programme. In practice the payouts have been pocket change, and none of it has anything to do with the cashback, which is paid in USDC/USDT. I ran the Earn side with my own money rather than a demo account: 1,000 AUSD in on 24 January, 1,015 back out on 21 May. That works out at roughly 4.8% annualised on the AUSD strategy, against the up-to-12% the marketing quotes, and the app's own realised-earnings counter read $0 the whole time. Most of that gap is slippage on the swap in and back out of the pool rather than the strategy underperforming, which is worth knowing before you park a small sum there: the round trip costs the same whether you bring a thousand dollars or ten. For scale, on 28 July the Earn tab was advertising up to 10% APY on USDC on Ethereum (8% base plus membership boosts of 0.5 to 2 points) and up to 22.17% on AUSD on Monad, both of them boosted numbers that need a paid tier. My 4.8% came out of that same AUSD pool. The rate on the tile is not the rate you keep. I also spent exactly one euro at the OpenStreetMap Foundation on 28 July to see what a euro really costs here, and Tria itemises that better than any card I have used. Interbank that day was 1.1367 dollars to the euro; Tria settled at 1.1494. That is a 1.12% spread living inside the rate, shown nowhere as a fee. Visa's 1% and Tria's own 0.50% sit on top, the second one halved from 1% by the Premium subscription. Total charged: $1.16, or 2.64% over interbank. The line that would have stung is the $0.15 convenience fee, waived on Premium; on a purchase that small it would have been 13%, which tells you the lower tiers are not built for small spending. Cashback came through as well, six cents, the first time that counter has moved after months at zero. On a sum this small a cent of rounding swamps the gap between 5% and 6%, so I am not calling the headline rate confirmed off one donation. Worth noting the plastic and the virtual card are not the same product: the virtual one is branded Visa Platinum, the physical Signature. Two things here I have not seen bettered anywhere in this category. The app is the best built one I have used: quick, coherent, and carrying far more than a card app usually bothers with, since perps through Hyperliquid and Decibel, the Earn strategies, statement export and that fee breakdown all sit in the same place without the thing feeling bloated. Support is the other one. Real people answer, and they answer fast. Day to day both of those count for more than a headline rate does. One real gripe, and it is the only one I have: the physical card. I paid $200 for it on 24 January. Six months on, nothing has reached me in Europe. Tria opens shipping country by country and mine still is not in the rollout. Everything else here does what it says on the tin; the plastic just keeps not arriving. One correction to the price I quoted there. The card terms dated 9 January 2026 price the tiers at $25 virtual, $109 plastic and $250 metal, and list those amounts twice over: once as a card-issue fee, once as an annual fee. The $200 I actually paid matches neither line, and Tria has run promotional pricing at least twice (early-adopter rates, and a spell where the virtual tier was given away). So read the published schedule as the ceiling the contract allows rather than a till receipt, and check the price in the app before you order.

This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available in Europe. Available in the UK.

Fees & Limits

Issuance Fee	Virtual $25; Plastic $109; Metal $250 (Card Terms, 9 Jan 2026)
Annual Fee	Virtual $25; Plastic $109; Metal $250 — the contract lists the same amounts again as an annual fee (Card Terms, 9 Jan 2026)
FX Fee	Measured on a live EUR purchase 28 Jul 2026: 2.64% over interbank in total, made of a 1.12% spread inside Tria's own rate (settled 1.1494 USD/EUR against the ECB reference of 1.1367), Visa's 1% FX fee, and Tria's 0.50% fee (halved from 1% by the Premium subscription). A $0.15 per-transaction convenience fee is charged on lower tiers and waived on Premium; on a EUR 1 purchase that alone would have been 13%. Advertised separately: 1% intl fee (US card), up to 3% FX (intl card)
ATM Limit	Expected with physical card
Spending Limit	Based on wallet balance and verification

These figures can change. Confirm the current fees, FX and network in Tria’s official terms before you apply.

Features

Welcome Bonus: Up to 6% airdrop + points
Card Type: Virtual + Physical
Top up with: BTC, USDC and other major cryptocurrencies from any self-custody wallet
Available Countries: Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Central African Republic, Chad, Chile, Colombia, Comoros, Congo, Costa Rica, Croatia, Czechia, Democratic Republic of the Congo, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, Indonesia, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vatican City, Yemen, Zambia, Zimbabwe

Who issues the Tria Card

Tria Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy — inferred from the program manager, not stated by the issuer itself. US; inferred via Rain.

All cards issued by Third National (Nimbus LLC) · Why the issuer matters

Supported Cryptocurrencies

You can load the Tria Card with crypto; the 2 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.

Networks & deposit details: Bitcoin, Ethereum, Solana, Polygon, Arbitrum, Optimism (1000+ tokens, self-custodial)

BTCBitcoinUSDCUSD Coin

Who Is the Tria Card Best For?

The Tria Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.

The Tria Card pays 1.5% cashback on eligible purchases, so it works well as a daily spending card.

The card is currently available in 150+ countries; United States excluded, so it works for residents and travellers in those areas.

Best for

Frequent spenders who want to earn 1.5% cashback
DeFi users who want to hold their own keys
European users within EEA countries

Avoid if

You're a US resident (this card doesn't support US users)
You need traditional bank integration (IBAN, SEPA, direct debits)

Compare the Tria Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.

Pros & Cons

Pros

First to support Bitcoin self-custody top-ups; Account Abstraction for smooth UX; Self-custodial Earn strategies, advertised up to 22.17% APY but 4.8% measured over 117 days; true non-custodial spending; best-built app we have used in this category; support answered by real people and answered fast
Earn 1.5% cashback on eligible purchases
Works wherever Visa is accepted worldwide
Self-custody: you keep your private keys until you spend
Virtual card ready right away, no shipping wait
Crypto neobank with IBAN account and regular banking features

Cons

Physical card only available in certain regions; limited crypto variety currently; yield rates variable; Smart Account adds complexity
Card issuance fee: Virtual $25; Plastic $109; Metal $250 (Card Terms, 9 Jan 2026)
Annual fee: Virtual $25; Plastic $109; Metal $250 — the contract lists the same amounts again as an annual fee (Card Terms, 9 Jan 2026)
Full KYC required, no anonymous tier
No IBAN or bank account, prepaid only

How to Get the Tria Card

Here is what the sign-up process looks like, from application to first purchase.

Create a Tria account

A few minutes

Go to the Tria website or download the app. Sign up with your email, pick a password, and accept the terms.

Complete identity verification

Varies by issuer

Tria runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.

Fund your card

Usually instant

Load your card with BTC, USDC and other major cryptocurrencies from any self-custody wallet through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.

Start spending immediately

Instant

Your virtual Tria Card shows up in the Tria app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.

Requirements

Minimum age18+ (issuer terms apply)

KYC requirementYes

Residency150+ countries; United States excluded

Minimum depositVaries by issuer, typically no minimum

Regional Availability

Available in the United States

The Tria Card is for US residents. Availability can vary by state because of money-transmission licensing. Check the issuer's site for your state.

Common questions about the Tria Card

What are the fees for the Tria Card?

Issuance fee: Virtual $25; Plastic $109; Metal $250 (Card Terms, 9 Jan 2026). Annual fee: Virtual $25; Plastic $109; Metal $250 — the contract lists the same amounts again as an annual fee (Card Terms, 9 Jan 2026). FX fee: Measured on a live EUR purchase 28 Jul 2026: 2.64% over interbank in total, made of a 1.12% spread inside Tria's own rate (settled 1.1494 USD/EUR against the ECB reference of 1.1367), Visa's 1% FX fee, and Tria's 0.50% fee (halved from 1% by the Premium subscription). A $0.15 per-transaction convenience fee is charged on lower tiers and waived on Premium; on a EUR 1 purchase that alone would have been 13%. Advertised separately: 1% intl fee (US card), up to 3% FX (intl card). ATM limit: Expected with physical card. Spending limit: Based on wallet balance and verification. Always confirm current rates on the Tria website before applying.

How does the Tria Card cashback work?

Tria Card pays 1.5% on eligible purchases. Tier requirements and earning caps apply; check the Tria rewards page for the specifics.

Where is the Tria Card available?

Tria Card is available in: 150+ countries; United States excluded, including Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria and 163 more countries. Coverage can change as Tria gains or loses licences, so check their site for the latest.

What cryptocurrencies does the Tria Card support?

You can fund the Tria Card with: BTC, USDC and other major cryptocurrencies from any self-custody wallet. The card converts to local fiat at the point of sale. The supported asset list can change, so verify in the Tria app before topping up.

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What that looked like

Straight from the account we opened. Card numbers, on-chain hashes and transaction IDs are redacted; nothing else is edited.

One euro costs $1.16
Tria itemises the whole charge, which almost no card does. Interbank was 1.1367 that day and Tria settled at 1.1494, a 1.12% spread hidden in the rate itself. Visa 1% and Tria 0.50% sit on top. Total 2.64% over interbank.
Captured 28 July 2026
4.8% a year once slippage is paid
1,000.25 AUSD went in on 24 January and 1,015.54 came back out on 21 May. That is 117 days for 1.53%, roughly 4.8% annualised. Swapping into the pool and back out again takes its cut, and that is where most of the gap to the advertised rate goes, not the pool underperforming.
Captured 28 July 2026
What the tile promises
Up to 10% on USDC and up to 22.17% on the same AUSD pool that returned 4.8%. Both are boosted rates that need a paid tier, and both are quoted as ceilings.
Captured 28 July 2026
Six months of Premium, $0 of cashback
The all-time counter read zero right up until the euro purchase above finally paid six cents. The terms allow distribution to lag up to twelve months, and undistributed cashback is forfeited if you close the account.
Captured 28 July 2026
Paid in January, still no plastic
$200 for the physical card on 24 January. Six months later it has not reached Europe: Tria opens shipping country by country, and this list is where the rollout has got to.
Captured 28 July 2026

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