Side-by-side comparison of Tria Card and OKX 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 3.8/5. It offers a stronger overall package across fees, features, and user experience.
| Features |  Tria Card |  OKX Card |
|---|---|---|
| Virtual + Physical | Virtual only | |
| Self-custody | Custodial | |
| Visa Signature | Mastercard Debit | |
| Free | Free | |
| Free | Free | |
| 1% intl fee (US card); up to 3% FX (intl card); ~1% crypto conversion spread | 0.1% conversion spread (official docs); no transaction or FX fees | |
| 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). | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| Based on wallet balance and verification | Based on verification and tier | |
| Expected with physical card | Available with physical card | |
| BTC, USDC and other major cryptocurrencies from any self-custody wallet | USDC, USDG stablecoins from OKX Pay account | |
| 100+ countries globally | EEA + Brazil | |
| Get Tria Card | Get OKX Card |
Tria Card is our pick in this matchup. The self-custody model means your crypto stays in your own wallet until the moment of purchase — a critical advantage over OKX's custodial approach. Tria also lets you earn yield on your deposits, something OKX doesn't offer. Full Apple Pay and Google Pay support makes it practical for daily spending. However, OKX may be better if you have specific feature requirements.
Bottom line: For most crypto card users, Tria Card (4.9/5) delivers better overall value than OKX Card (3.8/5).