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Comparing Tria Card and MetaMask Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
MetaMask rates 4.5/5, slightly ahead of Tria at 3.9/5. Both are solid options, but MetaMask is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual; Metal Physical |
| Network | Visa Signature | Mastercard Debit |
| Custody | Self-custody | Self-custody |
| 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 (Mastercard standard rates only) |
| Rewards | ||
| Cashback | 1.5% (Tiers) | Up to 3% |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | Yes |
| 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 | Based on wallet balance and spending caps |
| ATM withdrawal limit | Expected with physical card | Not disclosed |
| Top-up methods | BTC, USDC and other major cryptocurrencies from any self-custody wallet | USDC, USDT, wETH on Linea network |
| Regions | 150+ countries; United States excluded | 45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23…45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada and nine Latin American markets. Not available in the USA or in the United Kingdom - new sign-ups are closed in both and MetaMask publishes no date for either pause; existing holders unaffected |
| 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 | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks | Nothing flagged by these checks |
| Get Tria Card | Get MetaMask Card | |
MetaMask Card is the better card here. MetaMask also lets you earn yield on your deposits, something Tria doesn't offer. Zero fixed costs give MetaMask 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: MetaMask Card (4.5/5) is the stronger option for most people compared to Tria Card (3.9/5).
