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Tria Card vs Coinbase Card: 2026 Comparison

Comparing Tria Card and Coinbase 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:

Coinbase rates 4.3/5, ahead of Tria at 3.9/5. The gap is 0.4 of a point: a few line items in the formula, not a different class of card. What moves the score for Coinbase: no issuance or annual fee, variable cashback (US only).

Tria:
Coinbase:

Side by side

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

Tria Card 3.9 out of 5, Sweepbase rating

Get card Tria Card

Coinbase Card 4.3 out of 5, Sweepbase rating

Get card Coinbase Card
Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkVisa SignatureVisa Debit
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)
No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals…
The fine print
  • … (Cardholder Agreement Oct 2024)
  • In the UK Coinbase says "There are no fees for spending Pound Sterling" and no trading fee on crypto spends, but publishes no rate for foreign-currency spending on the UK and EEA card
  • Only cost is Coinbase's conversion spread, rate not published
  • The old 2.49% conversion fee was removed 2022-04-06
Rewards
Cashback Strength: 1.5-6% (can pay a year late) Strength: Variable (US only)
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 in the US (Apple Pay; Google Pay); not available in the UK or EEA
Bank account in your nameNo Strength: SEPA yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN
Daily spend limitBased on wallet balance and verificationUS: $2,500 per 24 hours, signature and PIN combined, with a $25,000 maximum card balance…
The fine print
  • … (Pathward Cardholder Agreement, 14 Oct 2024)
  • Coinbase says limits vary between customers and shows them in the app
  • UK and EEA limits not published
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)
US: no more than $1,000 per 24 hours and at most six withdrawals a day (Pathward Cardholder Agreement, 14 Oct 2024)
The fine print
  • UK and EEA limits are shown in the app only
  • Issuer ATM fee $0 domestic and international (ATM operator may still charge)
Top-up methodsBTC, USDC and other major cryptocurrencies from any self-custody walletAny crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ 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
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 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 termsPathward, N.A., USA (ex-MetaBank); Paysafe Financial Services Limited, UK (FCA FRN 900015)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: Variable (US only)
  • 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

Coinbase leads on the formula, but the score is a sum, and Tria wins some of its terms: Tria is self-custody and Coinbase is not, so your crypto stays in your own wallet until the moment you spend. If one of those is the thing you care about, read that row above before the score.

Tria vs Coinbase: FAQ

Coinbase Card scores higher on the Sweepbase formula, at 4.3/5. What moves the score: no issuance or annual fee, variable cashback (US only). 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… Coinbase Card: issuance Free, annual Free, FX No transaction fees: $0 for card transactions, crypto… You can compare total annual cost using our fee calculator.

Tria Card: 1.5-6% cashback (can pay a year late). Coinbase Card: Variable cashback (US only). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

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

Tria Card: Worldwide except US. Coinbase Card: Europe + USA. Check each card's detail page for the full country list.

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