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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:
Gemini Credit rates 4.4/5, slightly ahead of Tria at 3.9/5. Both are solid options, but Gemini Credit is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Signature | Mastercard Credit |
| 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 |
| 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% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) |
| Rewards | ||
| Cashback | 1.5% (Tiers) | Up to 4% |
| 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) |
| Bank account in your name | No | No |
| Daily spend limit | Based on wallet balance and verification | None (US credit card) |
| ATM withdrawal limit | Expected with physical card | Cash advance only; 3% + $10 fee, 29.99% APR |
| Top-up methods | BTC, USDC and other major cryptocurrencies from any self-custody wallet | Link to Gemini account; spend in fiat (USD) |
| Regions | 150+ countries; United States excluded | USA only |
| 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 | WebBank — USA (Utah industrial bank, FDIC-insured)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Tria Card | Get Gemini Credit Card | |
Gemini Credit Card is the better card here. Zero fixed costs give Gemini Credit a cost advantage from day one. 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: Gemini Credit Card (4.4/5) is the stronger option for most people compared to Tria Card (3.9/5).
