Side-by-side comparison of Tria Card and Gnosis Pay 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 is the clear winner in this matchup with a Sweepbase rating of 4.9/5 vs 3.6/5. It offers a stronger overall package across fees, features, and user experience.
| Features |  Tria Card |  Gnosis Pay Card |
|---|---|---|
| Virtual + Physical | Physical only | |
| Self-custody | Self-custody | |
| Visa Signature | Visa Debit | |
| Free | €30.23 (often waived via referrals) | |
| Free | Free | |
| 1% intl fee (US card); up to 3% FX (intl card); ~1% crypto conversion spread | ~1.5% stabilization fee on all transactions (marketed as 0% FX but this fee applies to every purchase) | |
| 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 5% in GNO tokens (0.1-100+ GNO holdings + OG NFT bonus) | |
| Based on wallet balance and verification | €8000/day | |
| Expected with physical card | €200/month or 5 withdrawals free; then 2% + €1 minimum | |
| BTC, USDC and other major cryptocurrencies from any self-custody wallet | EURe, GBPe stablecoins on Gnosis Chain | |
| 100+ countries globally | 32 European countries including UK, EEA, Switzerland | |
| Get Tria Card | Get Gnosis Pay Card |
Tria Card is our pick in this matchup. Tria also lets you earn yield on your deposits, something Gnosis Pay 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, Gnosis Pay may be better if you prefer self-custody have specific feature requirements.
Bottom line: For most crypto card users, Tria Card (4.9/5) delivers better overall value than Gnosis Pay Card (3.6/5).