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Comparing Tria Card and Crypto.com Visa Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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: Crypto.com at 4.1/5 vs Tria at 3.9/5. Crypto.com 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 |
| 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 to $50000 CRO stake for Obsidian |
| 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) | 0% FX markup on international purchases (most tiers); ~0.5% conversion spread on crypto-to-fiat |
| Rewards | ||
| Cashback | 1.5% (Tiers) | Up to 5% (Tiers) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay; Samsung Pay; Curve) |
| Bank account in your name | No | SEPA yes (EEA + Switzerland onlySEPA yes (EEA + Switzerland only — UK is NOT eligible for the EUR Account); 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 limit | Based on wallet balance and verification | Available; varies by tier and region |
| ATM withdrawal limit | Expected with physical card | $200-$1000/month free (by tier), 2% after; $500-$2000/day |
| Top-up methods | BTC, USDC and other major cryptocurrencies from any self-custody wallet | No FX fees on international spending |
| Regions | 150+ countries; United States excluded | 36 countries36 countries — USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia, 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 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 | Foris Group (Crypto.com) — UK + Malta + Australia + SingaporeNamed in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
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| Get Tria Card | Get Crypto.com Visa Card | |
Crypto.com Visa Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Tria may be better if you prefer self-custody need something it does better.
In short: Crypto.com Visa Card (4.1/5) is the stronger option for most people compared to Tria Card (3.9/5).
