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Tria Card vs OKX Card: 2026 Comparison

Comparing Tria Card and OKX 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:

OKX rates 4.2/5, ahead of Tria at 3.9/5. The gap is 0.3 of a point: a few line items in the formula, not a different class of card. What moves the score for OKX: no issuance or annual fee, 2-10% cashback (VIP tiers).

Tria:
OKX:

Side by side

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

Tria Card 3.9 out of 5, Sweepbase rating

Get card Tria Card

OKX Card 4.2 out of 5, Sweepbase rating

Get card OKX Card
Overview
Card typeVirtual + PhysicalVirtual only
NetworkVisa SignatureMastercard Debit
Custody Strength: Self-custodyCustodial
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)
0.1% conversion spread in the EEA, no transaction or FX fee; Brazil has no FX fee or IOF, and buying stablecoins with BRL costs up to 1.5%
Rewards
Cashback Strength: 1.5-6% (can pay a year late) Strength: 2-10% (VIP tiers)
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 nameNo Strength: SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user
Daily spend limitBased on wallet balance and verificationBased on verification and tier
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 (virtual card only)
Top-up methodsBTC, USDC and other major cryptocurrencies from any self-custody walletUSDC or USDG held in OKX Pay (EEA); USDG, USDC or USDT in OKX Pay, bought with BRL if needed (Brazil)
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
EEA + Brazil
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)Named in the card terms
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
  • No issuance or annual fee
  • Cashback: 2-10% (VIP tiers)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

OKX leads on the formula, but the score is a sum, and Tria wins some of its terms: Tria is self-custody and OKX is not, so your crypto stays in your own wallet until the moment you spend. If one of those is the thing you care about, read that row above before the score.

Tria vs OKX: FAQ

OKX Card scores higher on the Sweepbase formula, at 4.2/5. What moves the score: no issuance or annual fee, 2-10% cashback (VIP tiers). 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… OKX Card: issuance Free, annual Free, 0.1% conversion spread in the EEA, no transaction or FX fee. You can compare total annual cost using our fee calculator.

Tria Card: 1.5-6% cashback (can pay a year late). OKX Card: 2-10% cashback (VIP tiers). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

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

Tria Card: Worldwide except US. OKX Card: EEA + Brazil. Check each card's detail page for the full country list.

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