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Comparing Tria Card and Coinbase 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: Tria at 3.9/5 vs Coinbase at 3.7/5. Tria 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 | Visa Debit |
| 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) | No transaction fees: $0 for card transactions, crypto conversion, international purchases…No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals (Cardholder Agreement Oct 2024); only cost is Coinbase's conversion spread, rate not published. The old 2.49% conversion fee was removed 2022-04-06. |
| Rewards | ||
| Cashback | 1.5% (Tiers) | Up to 4% (US only) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | No | SEPA yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN |
| Daily spend limit | Based on wallet balance and verification | Varies by verification, high limits available |
| ATM withdrawal limit | Expected with physical card | $1000/day, $10000/month; issuer ATM fee $0 domestic and international (ATM operator may still charge) |
| Top-up methods | BTC, USDC and other major cryptocurrencies from any self-custody wallet | Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) |
| Regions | 150+ countries; United States excluded | US plus the United Kingdom and 30 EEA countries. The separate Coinbase One Card, an Amex credit card, is US-only |
| 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 | Pathward, N.A. — USA (ex-MetaBank)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Tria Card | Get Coinbase Card | |
Tria Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Coinbase where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Coinbase may be better if you need broader regional coverage.
In short: Tria Card (3.9/5) is the stronger option for most people compared to Coinbase Card (3.7/5).
