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Tria Card vs MetaMask Card: 2026 Comparison

Comparing Tria Card and MetaMask 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:

MetaMask rates 4.5/5, ahead of Tria at 3.9/5. The gap is 0.6 of a point: a few line items in the formula, not a different class of card. What moves the score for MetaMask: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused).

Tria:
MetaMask:

Side by side

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

Tria Card 3.9 out of 5, Sweepbase rating

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MetaMask Card 4.5 out of 5, Sweepbase rating

Get card MetaMask Card
Overview
Card typeVirtual + PhysicalVirtual; Metal Physical. New US and UK sign-ups paused, no date given
NetworkVisa SignatureMastercard Debit
Custody Strength: Self-custody Strength: Self-custody
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)
Cross-border fee 1% on the Free tier, defined by merchant location…
The fine print
  • … ("Using card with merchant located outside of cardholder country"), 0% on Metal
  • Conversion at Mastercard's rate with no separate FX markup
  • A second charge applies on both tiers: spending a stablecoin "denominated in currency not of cardholder country or merchant country" costs 0.5% (only Argentina is exempted, where the card is USD-denominated), so a Canadian or Mexican holder paying in USDC/mUSD at home pays 0.5%, not 1%
  • wETH spending costs 0.875%
  • Metal orders paused since 2 June 2026 and Metal was US-only (excluding Vermont), so the 0% tier cannot be ordered today
  • New sign-ups paused in the US and UK, no date given (the notice was live by 12 June 2026)
Rewards
Cashback Strength: 1.5-6% (can pay a year late) Strength: 1% (3% Metal, paused)
Yield on spendable balanceNoThe issuer pays yield, but in a separate product Strength: Yes
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 verification$10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal
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)
Not available to new cardholders: virtual cards outside the US cannot withdraw cash…
The fine print
  • … ("Virtual card users in other regions cannot withdraw cash from an ATM"), and US sign-ups and Metal orders are both paused
  • Existing US virtual and Metal holders: $1,000 per transaction
  • $1,000 a day on the Free tier and $5,000 a day on Metal
  • Fee 2% on the Free tier
  • Metal free up to $1,200 a month, then 2%
  • The ATM operator may add its own fee
Top-up methodsBTC, USDC and other major cryptocurrencies from any self-custody walletmUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad
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
47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…
The fine print
  • … Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada, Bahrain, Oman and eleven Latin American markets
  • Not available in the USA or in the United Kingdom for new sign-ups
  • MetaMask gives no date for either pause, and the notice was already on its help-centre FAQ in a Wayback Machine capture of 12 June 2026
  • Existing holders unaffected
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 termsMonavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania); Cross River Bank, USA (New Jersey state-chartered)Named in the card terms; Cross River Bank is inferred
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
  • You hold the keys
  • No issuance or annual fee
  • Cashback: 1% (3% Metal, paused)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Virtual and physical
Trade-offsNothing flagged by these checksNothing flagged by these checks

Which scores higher

Nothing in the formula favours Tria over MetaMask. What the formula cannot see is where you live and what you spend on: if Tria is sold in your country and MetaMask is not, that settles it, and the Regions row above is where to check.

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Tria vs MetaMask: FAQ

MetaMask Card scores higher on the Sweepbase formula, at 4.5/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused). 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… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… You can compare total annual cost using our fee calculator.

Tria Card: 1.5-6% cashback (can pay a year late). MetaMask Card: 1% cashback (3% Metal, paused). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

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

Tria Card: Worldwide except US. MetaMask Card: 47 countries. Check each card's detail page for the full country list.

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