Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Tria Card and Gemini Credit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Tria rates 4.9/5, slightly ahead of Gemini Credit at 4.5/5. Both are solid options, but Tria is the better pick for most people.
Tria Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Gemini Credit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Gemini Credit may be better if you need something it does better.
In short: Tria Card (4.9/5) is the stronger option for most people compared to Gemini Credit Card (4.5/5).
| 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 Card | Get Card |