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Tria Card vs Bybit Card: 2026 Comparison

Comparing Tria Card and Bybit 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:

These two are close: Tria at 3.9/5, Bybit at 3.8/5. A 0.1-point gap is inside the formula's own rounding, so treat them as level. What moves the score for Tria: self-custody, 1.5-6% cashback (can pay a year late).

Tria:
Bybit:

Side by side

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

Tria Card 3.9 out of 5, Sweepbase rating

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Bybit Card 3.8 out of 5, Sweepbase rating

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Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkVisa SignatureMastercard Debit in the EEA
The fine print
  • Mastercard Prepaid in Argentina, Australia, Georgia, Kazakhstan and AIFC
  • Mastercard Credit in Mexico and Brazil
  • Visa Prepaid in Peru
  • Visa Credit in Asia Pacific
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: Virtual free
The fine print
  • Physical card in the EEA free on first issuance and 5 EUR for a replacement per the fee table updated 8 October 2026, although the EEA card landing page still says $5 or 5 USDC
  • Physical 5 USD or USDT in Argentina, 5 USDT in Asia Pacific, 29.99 USD in Australia, 29.99 USDT in Georgia and Kazakhstan (AIFC), free in Brazil and Mexico
  • No physical card in Peru
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)
0.5-7% on foreign-currency spend depending on the programme: 0.5% in the EEA per Bybit EU's fee table updated 8 October…
The fine print
  • … 2026, although its card landing page still says 1%
  • 1.5% Brazil
  • 2% Mexico, Peru, Australia, Asia Pacific and Georgia, with a 2% international fee on cross-border purchases in Kazakhstan (AIFC)
  • 7% Argentina
  • Plus a 0.9% crypto conversion fee when the payment is funded with crypto (0.5% in Argentina)
Rewards
Cashback Strength: 1.5-6% (can pay a year late) Strength: 1% EEA base; 2-10% VIP (capped)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product Strength: Yes
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Yes: Apple Pay, Google Pay and Samsung Pay in the EEA and Australia
The fine print
  • Apple Pay and Google Pay in Argentina, AIFC, Georgia, Kazakhstan, Brazil and Peru
  • Google Pay only in Asia Pacific and Mexico
Bank account in your nameNo Strength: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed
Daily spend limitBased on wallet balance and verificationEEA: 5,000 EUR a day on Tier 1, 10,000 EUR on Tier 2, 15,000 EUR on Tier 3
The fine print
  • Elsewhere: Australia 50,000 USD
  • Argentina 1,000 USD per transaction and 5,000 USD a day
  • Brazil 27,500 BRL
  • Mexico 97,000 MXN
  • Georgia and Kazakhstan 15,000 USD
  • Peru 1,000 USD
  • Asia Pacific 10,000 USD on Tier 1, 50,000 USD on Tier 2, 100,000 USD on Tier 3
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)
EEA: first 100 EUR a month free, then 2%
The fine print
  • Up to 2,000 EUR a day on the physical card
  • Other regions: 2% after a monthly free allowance of 100 USD, 550 BRL in Brazil, 95,000 ARS in Argentina or 1,800 MXN in Mexico
  • Per-region caps, e.g. 50 USD a day on Australia Level 1 and 3,000 USD a day on Asia Pacific Level 2 and 3
  • ATM not supported in Peru
Top-up methodsBTC, USDC and other major cryptocurrencies from any self-custody walletSpends from the Bybit Funding Account: EUR plus up to 3 selected cryptos from USDC, BTC, ETH, MNT, GRAM, XRP and EURC…
The fine print
  • … in the EEA
  • Local fiat plus BTC, ETH, XRP, USDT, USDC and GRAM elsewhere
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
EEA via bybit.eu: 29 supported EEA countries, the EU-27 except Malta plus Iceland, Liechtenstein and Norway
The fine print
  • Outside the EEA, bybit.com runs separate card programmes for Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific, and says the card is only available in limited countries
  • The bybit.com card is not available to EEA customers
  • The old bybit.com EUR card for the EEA and Switzerland had to be replaced by 31 December 2025, and Switzerland is not in the bybit.eu list
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 termsHarmoniie SAS (with Moorwand Ltd), France (ACPR, CIB 17478); Mastercard licence held by Moorwand Ltd (UK)Named in the card terms
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: 1% EEA base; 2-10% VIP (capped)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • 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 Bybit wins some of its terms: the balance Bybit spends from earns yield, and the one Tria spends from does not; Bybit 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 Bybit: 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… Bybit Card: issuance Virtual free, annual Free, 0.5-7% on foreign-currency spend depending on the… You can compare total annual cost using our fee calculator.

Tria Card: 1.5-6% cashback (can pay a year late). Bybit Card: 1% EEA base; 2-10% VIP cashback (capped). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Tria Card: Self-custody. Bybit 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. Bybit Card supports Apple Pay and Google Pay.

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

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