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Tria Card vs Gemini Credit Card: 2026 Comparison

Comparing Tria Card and Gemini Credit 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:

Gemini Credit rates 4.4/5, ahead of Tria at 3.9/5. The gap is 0.5 of a point: a few line items in the formula, not a different class of card. What moves the score for Gemini Credit: no issuance or annual fee, up to 4% cashback.

Tria:
Gemini Credit:

Side by side

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

Tria Card 3.9 out of 5, Sweepbase rating

Get card Tria Card

Gemini Credit Card 4.4 out of 5, Sweepbase rating

Get card Gemini Credit Card
Overview
Card typeVirtual + PhysicalVirtual and physical metal card, in several designs
NetworkVisa SignatureMastercard Credit
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)
0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX)
Rewards
Cashback Strength: 1.5-6% (can pay a year late) Strength: Up to 4%
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)
Bank account in your nameNoNo
Daily spend limitBased on wallet balance and verificationNone (US credit card)
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)
Cash advance only; $10 or 3% of each cash advance, whichever is greater, at 29.49% APR charged from the transaction date
Top-up methodsBTC, USDC and other major cryptocurrencies from any self-custody walletLink to Gemini account; spend in fiat (USD)
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
USA 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 termsWebBank, USA (Utah industrial bank, FDIC-insured)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: Up to 4%
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Gemini Credit leads on the formula, but the score is a sum, and Tria wins some of its terms: Tria is self-custody and Gemini Credit 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 Gemini Credit: FAQ

Gemini Credit Card scores higher on the Sweepbase formula, at 4.4/5. What moves the score: no issuance or annual fee, up to 4% cashback. 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… Gemini Credit Card: issuance Free, annual Free, 0% foreign transaction fees… You can compare total annual cost using our fee calculator.

Tria Card: 1.5-6% cashback (can pay a year late). Gemini Credit Card: Up to 4% cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

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

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

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