Tria Card Review 2026

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

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

3.9 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodySelf-custody

NetworkVisa Signature

Cashback1.5-6% (can pay a year late)

RegionsWorldwide except US

Fees and limits

Issuance fee	Virtual $25; Plastic $109; Metal $250 (Card Terms, 9 Jan 2026), while tria.so markets the virtual card as "free and instant"
Annual fee	Virtual $25; Plastic $109; Metal $250 (the Card Terms of 9 Jan 2026 list the same amounts again as an annual fee)
FX fee	Measured on a EUR 1 purchase 28 Jul 2026 (the transaction now shows Completed): $1.16 against the ECB reference of… The fine print … 1.1367, about 2% over that reference It adds up exactly: Visa's own rate that day was 1.141999 dollars per euro, 0.47% above the ECB reference, and on top came the 1% FX fee the app attributes to Visa and Tria's 0.50% fee (halved from 1% by the Premium subscription), making $1.159 Nothing else was added 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% Contract ceilings, not the tariff: the international Card Terms allow FX up to 3% plus international transactions up to 1% The U.S. Card Terms allow an international transaction fee up to 3% (both 9 January 2026)
ATM limit	Up to $750 a day on the Signature (plastic) and Premium (metal) cards per tria.so, with nothing listed for the virtual… The fine print … card Card terms allow an ATM withdrawal fee of up to $2 + 3% (contract ceiling, 9 January 2026)
Spending limit	Based on wallet balance and verification

Fees change; the current ones are in Tria’s terms.

Features

Cashback: 1.5-6% (can pay a year late)
The fine print
- Tiered cashback: Virtual 1.5% on the first $100 of monthly spend, then 0.5%
- Signature 4.5% on the first $1,000 of monthly spend, then 1%
- Premium (renamed Max Membership by 30 Sep 2026, benefits unchanged per the app) 6% on the first $2,000 of monthly spend, 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
- By October 2026 the help centre named the tiers Free Lite Card, Plastic Card (Pro) and Metal Card (Max)
- It put the monthly caps at $1,000 for Lite and $2,000 for both Pro and Max, instead of the $100, $1,000 and $2,000 in the terms
- It said payouts come in USDT on Arbitrum (as does the Season 3 post of 1 Jun 2026), arrive quarterly, usually three months after the Token Generation Event, and follow a waiting period of up to 90 days
- The terms govern until Tria updates them
- 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
KYC: Yes
Card type: Virtual + Physical
Top up with: BTC, USDC and other major cryptocurrencies from any self-custody wallet
Available countries: Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas…
Full list
… Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Chad, Chile, Colombia, Comoros, Congo, Costa Rica, Croatia, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Eswatini, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guyana, Haiti, Honduras, Hungary, Iceland, Indonesia, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Zealand, 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, South Africa, South Korea, 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, Zambia

Who issues the Tria Card

The Tria Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. U.S. Card Terms name "Third National" as the Issuer. The International Card Terms name "Nimbus, LLC", the entity Rain lists as doing business as Third National. Tria calls Rain its card-issuing partner.

Primary source · 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.

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

BTCBitcoinUSDCUSD Coin

Pros and cons

Pros

✓
First card with a self-custodial Bitcoin top-up
The fine print
- Account abstraction makes transfers gasless
- The card spends against collateral that stays in your own wallet
- Self-custodial Earn strategies, advertised at up to 15% on the landing page (27 Aug 2026) against 4.8% measured over 117 days
- Best-built app we have used in this category
- Support answered by real people and answered fast
Earn 6% cashback on eligible purchases
Multi-chain top-up across 6+ networks

Cons

✗
Physical card ships to a country list Tria is still expanding
The fine print
- The 6% rate and the best yield boosts need the paid Max tier (formerly Premium)
- Cashback can arrive up to 12 months late and is forfeited on account closure
- Smart Account adds complexity
Card issuance fee: Virtual $25
Annual fee: Virtual $25
FX fee: 2% on foreign-currency spend
No IBAN or bank-account features

Regional availability

Available worldwide except the US

150+ countries per tria.so, under two Third National programmes chosen by residency. The international card is for applicants who are not US citizens; a separate U.S. card programme for US residents exists under the U.S. Card Terms, and no Tria page says it is taking applications now. Not available in Afghanistan, Belarus, Central African Republic, Democratic Republic of the Congo, Eritrea, Ethiopia, Guinea, Guinea-Bissau, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, Russia, Somalia, South Sudan, Sudan, Venezuela, Yemen or Zimbabwe per Tria's Prohibited Use Policy, plus sanctioned jurisdictions.

Available in these regions:

AlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijan

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 Max (formerly Premium), each capped by monthly spend. The 6% band ends at $2,000 a month and drops to 1% after that.

It pays in USDC or USDT to your own wallet, not in a token, 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. A one-euro purchase came to about 2% over the ECB reference rate, and every part of that is accounted for: Visa's own rate that day sat 0.47% above the ECB, then the 1% Visa FX fee and Tria's 0.50%, both listed in the app.

Nothing else was added. Yield is a separate product and never touches the card balance. The AUSD vault tile advertised up to 22.17% APY on 28 July 2026 and 9.38% on 30 September, both boosted rates that need a paid tier. A real position held 117 days returned about 4.8% once the swap in and back out was paid.

The card terms price the virtual card at $25, plastic at $109 and metal at $250 and list the same amounts again as an annual fee, although tria.so markets the virtual card as free. 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. The international card is for applicants who are not US citizens; US residents fall under a separate U.S. card programme, and no Tria page says it is taking applications now.

Best fit: non-US self-custody spenders who want one app across many chains and will read the caps before chasing the 6%

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

Reviewed October 2026 Tested hands-on

Incident note: the 28 August 2026 Rain contract exploit reached Tria as well. Tria's 29 August update: 'Our card-issuing partner, Rain, identified a vulnerability in a Solana card contract used by Tria and other Rain program cards', with 636 users and $431,945 in card balances affected and 'all affected card balances are being made whole in full'. Wallet funds were not involved, only balances loaded onto the card contract. Rain had not published a postmortem when this note was written.
Tria shipped the first self-custodial Bitcoin top-up for a crypto 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 Max (formerly 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 card terms are ceilings rather than a tariff: up to 3% FX plus up to 1% on international transactions for the international card, up to 3% on international transactions for the US 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 to keep separate: 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 matters 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's screen names each charge: a 1% fee it attributes to Visa and its own 0.50%, the second one halved from 1% by the Premium subscription.
Total charged: $1.16, which against the ECB reference rate of 1.1367 dollars to the euro that day is about 2%. Visa's own rate for that day, 1.141999, was already 0.47% above the ECB reference, and the two fees on top of it make $1.159, so every fee the app names is a fee I paid and nothing else was added. By 30 September the purchase showed as completed at the same $1.16. 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. 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. By late July, six months on, nothing had 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.

Read our guideEther.fi Cash vs Tria Card: I hold both, so I measured both Read our guideAdvertised vs measured: what two crypto cards actually paid us Read our guideYield crypto cards: where the wallet earns in DeFi, card by card

Common questions about the Tria Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the Tria Card?

All three fees apply on the Tria Card. Issuance fee: Virtual $25. Annual fee: Virtual $25. FX fee: Measured on a EUR 1 purchase 28 Jul 2026 (the transaction now shows Completed): $1.16 against the ECB reference of 1.1367, about 2% over that reference.

Is the Tria Card legit, and who is behind it?

The issuer of record for the Tria Card is Third National (Nimbus LLC), USA, named in the terms published at docs.tria.so. U.S. Card Terms name "Third National" as the Issuer. The International Card Terms name "Nimbus, LLC", the entity Rain lists as doing business as Third National. Tria calls Rain its card-issuing partner. We have held and used this card ourselves.

Is the Tria Card worth it?

Best fit for the Tria Card: non-US self-custody spenders who want one app across many chains and will read the caps before chasing the 6%. Spending in another currency costs 2%.

How does the Tria Card cashback work?

Tiered cashback: Virtual 1.5% on the first $100 of monthly spend, then 0.5%. Signature 4.5% on the first $1,000 of monthly spend, then 1%. Premium (renamed Max Membership by 30 Sep 2026, benefits unchanged per the app) 6% on the first $2,000 of monthly spend, 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.

Where is the Tria Card available?

150+ countries per tria.so, under two Third National programmes chosen by residency. The international card is for applicants who are not US citizens. A separate U.S. card programme for US residents exists under the U.S. Card Terms, and no Tria page says it is taking applications now.

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.

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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
The purchase of 28 July, now marked Completed at $1.16. It adds up exactly: Visa’s own rate that day was 1.141999 dollars per euro, plus the 1% Visa FX fee and Tria’s 0.50%, makes $1.159. Against the ECB reference of 1.1367 that is about 2%, and 0.47 points of it is Visa’s rate sitting above the ECB, not anything Tria added. Handle, cardholder name and transaction ID are blurred.
Captured 30 September 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. Most of the gap to the advertised rate went on the swap into the pool and back out again, rather than on the pool underperforming.
Captured 28 July 2026
What the tile promised in July
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
AUSD: 22.17% in July, 9.38% now
The same AUSD pool, two months on. Up to 9.38%, of which 7.38% is the thirty-day base and 2 points need the paid Max membership. The handle is blurred.
Captured 30 September 2026
USDC: 7.38% base, 9.38% on Max
Down from 8% base and 10% at the top in August. The boosts are the same, but the tiers are now called Lite, Pro and Max. The handle is blurred.
Captured 30 September 2026
wBTC: under 1% before the boost
A 0.99% thirty-day base, so two thirds of the 2.99% headline is the Max boost. In August the same tile showed up to 5%. The handle is blurred.
Captured 30 September 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
Premium is now called Max
The app renamed the paid Premium tier to Max Membership and says the benefits stay the same: 6% cashback on up to $2,000 of spending a month. The handle is blurred.
Captured 30 September 2026
Paid in January, still no plastic
$200 for the physical card on 24 January. By 28 July it still had not reached Europe. Tria opens shipping one country at a time, and this list is as far as the rollout had got.
Captured 28 July 2026