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Comparing Tria Card and Binance Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: Binance at 4/5 vs Tria at 3.9/5. Binance has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Signature | Mastercard Prepaid |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Virtual $25; Plastic $109; Metal $250 (Card Terms, 9 Jan 2026) | Free |
| Annual fee | Virtual $25; Plastic $109; Metal $250 — the contract lists the same amounts again as an annual fee (Card Terms, 9 Jan 2026) | Free |
| FX fee | Measured on a live EUR purchase 28 Jul 2026: 2.64% over interbank in total, made of a…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) | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency |
| Rewards | ||
| Cashback | 1.5% (Tiers) | Up to 3% (Brazil) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | No |
| Bank account in your name | No | No |
| Daily spend limit | Based on wallet balance and verification | Varies by tier based on BNB holdings, up to €8700/day for highest tier |
| ATM withdrawal limit | Expected with physical card | €290/day; 0.9% fee |
| Top-up methods | BTC, USDC and other major cryptocurrencies from any self-custody wallet | BTC, BNB, USDT and 10+ major cryptos |
| Regions | 150+ countries; United States excluded | Binance names Brazil, Argentina, Peru and Armenia in its own words on…Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement |
| Behind the card | ||
| Card issuer | Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyInferred, not stated by the issuer | Pomelo S.A. — Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
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| Get Tria Card | Get Binance Card | |
Binance Card is the better card here. Zero fixed costs give Binance a cost advantage from day one. However, Tria may be better if you prefer self-custody need something it does better.
In short: Binance Card (4/5) is the stronger option for most people compared to Tria Card (3.9/5).
