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Tria Card vs Binance Card: 2026 Comparison

Comparing Tria Card and Binance Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Tria rates 3.9/5, ahead of Binance at 3.4/5. The gap is 0.5 of a point: a few line items in the formula, not a different class of card. What moves the score for Tria: self-custody, 1.5-6% cashback (can pay a year late).

Tria:
Binance:

Side by side

Side-by-side comparison of Tria Card, Binance Card. Scroll horizontally to see all columns.
Feature

Tria Card 3.9 out of 5, Sweepbase rating

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Binance Card 3.4 out of 5, Sweepbase rating

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Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkVisa SignatureMastercard Prepaid
Custody Strength: Self-custodyCustodial
Costs
Issuance feeVirtual $25; Plastic $109; Metal $250 (Card Terms, 9 Jan 2026), while tria.so markets the virtual card as "free and instant" Strength: Free
Annual feeVirtual $25; Plastic $109; Metal $250 (the Card Terms of 9 Jan 2026 list the same amounts again as an annual fee) Strength: Free
FX feeMeasured 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)
1-2% FX on non-BRL purchases with the Brazil card, plus 0.9% crypto-to-fiat conversion
The fine print
  • The Argentina programme charges 6-7% FX plus Argentine taxes, and the Immersve Global Program 2% (New Zealand 3%) since the 1 June 2026 update
Rewards
Cashback Strength: 1.5-6% (can pay a year late) Strength: Up to 3% (Brazil)
Yield on spendable balanceNoThe issuer pays yield, but in a separate productNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay)Yes
Bank account in your nameNoNo
Daily spend limitBased on wallet balance and verificationBrazil card: 25,000 BRL a day at every verification level, 50,000 to 150,000 BRL a month and 200,000 to 600,000 BRL a year by level
ATM withdrawal limitUp 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)
Brazil card: two free ATM withdrawals a month, then 1.5 USD each
The fine print
  • Up to 3 a day and 30 a month, 3,000 to 7,000 BRL a day and 25,000 to 50,000 BRL a month by verification level
Top-up methodsBTC, USDC and other major cryptocurrencies from any self-custody walletBTC, BNB, USDT and 10+ major cryptos
Regions150+ countries per tria.so, under two Third National programmes chosen by residency
The fine print
  • 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
Three programmes
The fine print
  • Brazil and Argentina are local programmes whose FAQs say "Currently we support: Brazil" and "Currently we support: Argentina" respectively
  • Everything else is the Immersve "Global Program": the binance.com/en/cards region selector offers LATAM, CIS, MEA, Australia, New Zealand and APAC, the last four naming no country
  • The fee article's column headers name Colombia, Peru, some CIS region, Armenia and New Zealand, and Australia and Mexico appear in support-article titles
  • Binance publishes no full list: "Eligibility is confirmed at the time of the card application"
  • Not offered in the US or the UK
  • The countries column carries the remaining exclusion
Behind the card
Card issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card termsPomelo S.A., Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer
Our read
Strengths
  • You hold the keys
  • Cashback: 1.5-6% (can pay a year late)
  • Apple Pay and Google Pay
  • Premium Visa Signature tier
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 3% (Brazil)
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Tria leads on the formula, but the score is a sum, and Binance wins some of its terms: Binance charges nothing to issue or hold the card, and Tria does. If one of those is the thing you care about, read that row above before the score.

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Tria vs Binance: FAQ

Tria Card scores higher on the Sweepbase formula, at 3.9/5. What moves the score: self-custody, 1.5-6% cashback (can pay a year late). The formula does not know where you live or how you spend, so check availability and fees for your own case.

Tria Card: issuance Virtual $25, annual Virtual $25, FX Measured on a EUR 1 purchase 28 Jul 2026… Binance Card: issuance Free, annual Free, 1-2% FX on non-BRL purchases with the Brazil card, plus… You can compare total annual cost using our fee calculator.

Tria Card: 1.5-6% cashback (can pay a year late). Binance Card: Up to 3% cashback (Brazil). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Tria Card: Self-custody. Binance Card: Custodial. Tria Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Tria Card supports Apple Pay and Google Pay. Apple Pay is not confirmed for Binance Card.

Tria Card: Worldwide except US. Binance Card: several regions. Check each card's detail page for the full country list.

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