Side-by-side comparison of Tria Card and Fold Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Tria edges ahead with a 4.9/5 rating compared to Fold's 4.2/5. While both cards have merit, Tria delivers better value for most users.
| Features |  Tria Card |  Fold Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Signature | Visa Credit Card | |
| Free | Free | |
| Free | Fold+: varies by tier | |
| 1% intl fee (US card); up to 3% FX (intl card); ~1% crypto conversion spread | No foreign transaction fees, standard Visa rates | |
| Tiered cashback: Virtual 1.5%, Signature 4.5%, Premium 6%. Higher tiers require paid subscription plans. Critical catch: cashback is displayed in USD but can only be redeemed for Tria tokens 3 months after their Token Generation Event (TGE), which has not happened yet. Current cashback is essentially IOUs for a future token with unknown value. Additionally, 100% collateral is required — you must deposit crypto equal to your spending limit before you can use the card. Realistic cashback for a typical user: 1.5% in future tokens (value completely uncertain until TGE). | Up to 2% back in Bitcoin (Fold+ members); Standard: 1.5% BTC + up to $100 bonus. Up to 20% on gift cards and merchant boosts. | |
| Based on wallet balance and verification | Based on creditworthiness | |
| Expected with physical card | $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) | |
| BTC, USDC and other major cryptocurrencies from any self-custody wallet | Link bank account for USD funding; Bitcoin purchases | |
| 100+ countries globally | USA only | |
| Get Tria Card | Get Fold Card |
Tria Card is our pick in this matchup. The self-custody model means your crypto stays in your own wallet until the moment of purchase — a critical advantage over Fold's custodial approach. Tria also lets you earn yield on your deposits, something Fold doesn't offer. Zero fixed costs give Tria a cost advantage from day one. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Fold may be better if you have specific feature requirements.
Bottom line: For most crypto card users, Tria Card (4.9/5) delivers better overall value than Fold Card (4.2/5).