Side-by-side comparison of Tria Card and Gemini Credit 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:
Both cards score closely — Tria at 4.9/5 vs Gemini Credit at 4.7/5. Tria has a slight edge, but the best choice depends on your priorities.
| Features |  Tria Card |  Gemini Credit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Signature | Mastercard Credit | |
| Free | Free | |
| Free | Free | |
| 1% intl fee (US card); up to 3% FX (intl card); ~1% crypto conversion spread | 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange | |
| 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). | 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $200/month spend. Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. | |
| Based on wallet balance and verification | Cash advance only; 3% + $10 fee, 29.99% APR | |
| Expected with physical card | Referral: $50 per friend + $250 bonus per 5 referrals (up to $5000/year) | |
| BTC, USDC and other major cryptocurrencies from any self-custody wallet | not card FX) | |
| 100+ countries globally | USA only | |
| Get Tria 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 Gemini Credit's custodial approach. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Gemini Credit 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 Gemini Credit Card (4.7/5).