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Tria Card vs Crypto.com Visa Card: 2026 Comparison

Comparing Tria Card and Crypto.com Visa 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, Crypto.com at 3.7/5. A 0.2-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:
Crypto.com:

Side by side

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

Tria Card 3.9 out of 5, Sweepbase rating

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Crypto.com Visa Card 3.7 out of 5, Sweepbase rating

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Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkVisa SignatureVisa
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 (virtual card, the regional fee schedules price only the physical card)
The fine print
  • Physical Basic card €4.99 / £4.99 / US$4.99 / C$4.99
  • Physical Plus card free for annual subscribers, monthly subscribers of 6+ consecutive months or lockup holders, otherwise €24.99 / £24.99 / US$29.99 / C$39.99
  • Replacement €50 / £50 / US$50 / C$70 (Basic €45.01 / £45.01 / US$7 / C$10)
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 (Basic)
The fine print
  • Plus €3.99/month or €39.90/year (£3.99, US$4.99, CA$6.99 monthly) or a 12-month CRO lockup of €450 / £400 / US$500 / CA$650
  • Pro €24.99/month or €249.90/year (£24.99, US$29.99, CA$39.99 monthly) or a lockup of €4,500 / £4,000 / US$5,000 / CA$6,500
  • Private tiers by 12-month CRO lockup only: Icy-Rose €45,000 / £40,000 / US$50,000 / CA$65,000, Obsidian €450,000 / £400,000 / US$500,000 / CA$650,000
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)
2% on foreign-currency spending outside the EU and UK for Basic cardholders in the EEA and UK…
The fine print
  • … (0.2% on other EU and UK currencies inside the EU and UK), 3% on non-USD spending on every tier below Private in the US, and 2% on non-CAD spending for Basic in Canada
  • From 1 October 2026 EEA/UK Plus and Pro also pay 0.2% inside the EU and UK, and outside it spend is free up to €400 / £400 a month on Plus and €800 / £800 on Pro, then 2% (until 30 September 2026 Plus and Pro pay no FX fee)
  • Canada Plus is free up to CA$700 a month and Pro up to CA$1,400, then 2% (since 1 September 2026)
  • Private tiers (Icy-Rose, Obsidian) pay no FX fee anywhere
Rewards
Cashback Strength: 1.5-6% (can pay a year late) Strength: Up to 4.5% prepaid; up to 6% on the US credit card
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) Strength: Yes (Apple Pay; Google Pay; Samsung Pay; Curve)
Bank account in your nameNo Strength: SEPA yes (EEA + Switzerland only: UK is NOT eligible for the EUR Account)
The fine print
  • App gives 'personal bank transfer details' for EUR deposits, but Crypto.com never states this is a dedicated IBAN in the user's own name
  • EUR deposits are SEPA-only, no SWIFT
Daily spend limitBased on wallet balance and verificationAvailable; varies by tier and region
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)
€200-€1,000 a month free by tier in the EEA (£180-£900 UK, US$200-US$1,000 US), 2% after
The fine print
  • Daily cap €2,000 on every EEA tier (£1,800 UK), US$500-US$2,000 US, C$700-C$2,500 Canada
  • The Canadian fee schedule publishes no free ATM allowance
Top-up methodsBTC, USDC and other major cryptocurrencies from any self-custody wallet150+ cryptocurrencies including BTC, ETH, CRO, USDC, USDT
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
36 countries: USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia…
The fine print
  • … Singapore, Brazil
  • Crypto.com publishes no single global list
  • 36 is a floor, since its own fee schedules also cover select LATAM markets and a separate prepaid Mastercard in Bahrain and select GCC markets
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 termsForis Group (Crypto.com), UK + Malta + Australia + SingaporeNamed 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: Up to 4.5% prepaid; up to 6% on the US credit card
  • 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 Crypto.com wins some of its terms: Crypto.com 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 Crypto.com: 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… Crypto.com Visa Card: issuance Free (virtual card, the regional fee schedules price only…), annual Free (Basic), 2% on foreign-currency spending outside the EU and UK for… You can compare total annual cost using our fee calculator.

Tria Card: 1.5-6% cashback (can pay a year late). Crypto.com Visa Card: Up to 4.5% prepaid; up to 6% on the US credit card cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Tria Card: Self-custody. Crypto.com Visa 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. Crypto.com Visa Card supports Apple Pay and Google Pay.

Tria Card: Worldwide except US. Crypto.com Visa Card: 36 countries. Check each card's detail page for the full country list.

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