Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Tria Card

VisaSelf-custodyKYC fullsecured credit

Tria is a self-custody crypto wallet app with a Visa card sold as a yearly membership: Virtual about $20, Signature $109 and Premium $250. Cashback is 1.5%, 4.5% or 6% in USDT up to a small monthly spend threshold, then 0.5% to 1%, and it can be paid out up to 12 months later.

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81Card Score, #14 of 36
$242You keep a year
D53Trust points of 100
84%Key fields with a source

Plans side by side

Virtual
Signature
Premium
Price
Monthly priceFree1,2No monthly fee; the plan is billed once a yearFree1,2No monthly fee; the plan is billed once a yearFree1,2No monthly fee; the plan is billed once a year
Yearly price$205,6,1,19Live membership page and renewal FAQ show $20 a year (called Lite). The card terms (Oct-31, 2025) list $25. The renewal FAQ also says the free Lite tier renews at $0, which contradicts its own price list. One review shows $2 a month, which equals $25 a year; no monthly billing exists$1095,6,1Called Pro in the app and help centre. Promotional price of $90 existed earlier; $109 is the standard renewal price$2505,6,1Called Max in the app and help centre. Promotional price of $225 existed earlier; $250 is the standard renewal price
Virtual card feeFree12,5A virtual Lite card comes with every plan. The card terms also list a card-issue fee equal to the annual fee, but the membership page says there are no hidden costs, so it looks includedFree12,5A virtual Lite card comes with every plan. The card terms also list a card-issue fee equal to the annual fee, but the membership page says there are no hidden costs, so it looks includedFree12,5A virtual Lite card comes with every plan. The card terms also list a card-issue fee equal to the annual fee, but the membership page says there are no hidden costs, so it looks included
Physical card fee—No physical card on this planFree12,5Plastic card included in the membership price; shipped in batchesFree12,5Metal card included in the membership price; shipped in batches
ReplacementFree14Re-issue of the virtual card is free, up to 3 times—Physical card replacement could not be done in the app at the time of the help article—Physical card replacement could not be done in the app at the time of the help article
Staking needed03No stake needed; an optional staking badge adds +0.25% to +2% cashback within the monthly cap03No stake needed; an optional staking badge adds +0.25% to +2% cashback within the monthly cap03No stake needed; an optional staking badge adds +0.25% to +2% cashback within the monthly cap
Other requirementsKYC with ID and selfie; supported country of residence; age 18+12KYC with ID and selfie; supported country of residence; age 18+12KYC with ID and selfie; supported country of residence; age 18+12
Rewards
Cashback1.5%3,51.5% on the first $100 of monthly spend, then 0.5%. The help centre guides say a $1,000 cap; the binding cashback terms say $1004.5%3,54.5% on the first $1,000 of monthly spend, then 1%. Some help articles say a $2,000 cap; the binding cashback terms say $1,0006%3,56% on the first $2,000 of monthly spend, then 1%
Paid inUSDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app3,8USDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app3,8USDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app3,8
Earns onAll eligible card purchases; the monthly threshold is per user across all cards, at the highest tier held3,8All eligible card purchases; the monthly threshold is per user across all cards, at the highest tier held3,8All eligible card purchases; the monthly threshold is per user across all cards, at the highest tier held3,8
No cashback onATM and cash withdrawals, Gaming and gambling, Cash-like transactions (money orders, traveller's cheques, foreign currency, wire transfers, crypto purchases), Person-to-person transfers and account funding, Balance repayments, Reversed or refunded transactions, Tria Travel bookings (separate reward programme), Vouchers bought through some platforms3,22ATM and cash withdrawals, Gaming and gambling, Cash-like transactions (money orders, traveller's cheques, foreign currency, wire transfers, crypto purchases), Person-to-person transfers and account funding, Balance repayments, Reversed or refunded transactions, Tria Travel bookings (separate reward programme), Vouchers bought through some platforms3,22ATM and cash withdrawals, Gaming and gambling, Cash-like transactions (money orders, traveller's cheques, foreign currency, wire transfers, crypto purchases), Person-to-person transfers and account funding, Balance repayments, Reversed or refunded transactions, Tria Travel bookings (separate reward programme), Vouchers bought through some platforms3,22
VestingPaid in batches no later than 12 months after each month ends; the help centre says quarterly, around 3 months after the token launch3,22Cashback is only earned while the membership is active. Users report waiting about 3 months or morePaid in batches no later than 12 months after each month ends; the help centre says quarterly, around 3 months after the token launch3,22Cashback is only earned while the membership is active. Users report waiting about 3 months or morePaid in batches no later than 12 months after each month ends; the help centre says quarterly, around 3 months after the token launch3,22Cashback is only earned while the membership is active. Users report waiting about 3 months or more
PointsTria Points: 1 per $1 on Virtual, 1.5 per $1 on Signature and Premium; no fixed cash value19Third-party review; the issuer's help centre describes Season 3 points and mystery boxes without these ratiosNot confirmed by the issuerTria Points: 1 per $1 on Virtual, 1.5 per $1 on Signature and Premium; no fixed cash value19Third-party review; the issuer's help centre describes Season 3 points and mystery boxes without these ratiosNot confirmed by the issuerTria Points: 1 per $1 on Virtual, 1.5 per $1 on Signature and Premium; no fixed cash value19Third-party review; the issuer's help centre describes Season 3 points and mystery boxes without these ratiosNot confirmed by the issuer
PerksInstant virtual card after KYC, Apple Pay and Google Pay, Visa Platinum purchase benefits per a review5,19Plastic card plus a Lite virtual card, Airport lounge access via Visa (fee per visit), Price protection up to $2,000, Purchase protection up to $10,000, Tria Earn boost up to 10%7,13Metal card plus a Lite virtual card, Airport lounge access via Visa (fee per visit), Price protection up to $2,000, Purchase protection up to $10,000, Tria Earn boost up to 15%7,13
Fees
FX fee0%7,15Tria advertises 0% Tria FX fee, with Visa's own FX fee still possible. The card terms allow up to 3% (up to 1% international transaction fee) and Paymentscan measured about 1.5% in a real payment (1% Visa plus 0.5% Tria), see tests0%7,15Tria advertises 0% Tria FX fee, with Visa's own FX fee still possible. The card terms allow up to 3% (up to 1% international transaction fee) and Paymentscan measured about 1.5% in a real payment (1% Visa plus 0.5% Tria), see tests0%7,15Tria advertises 0% Tria FX fee, with Visa's own FX fee still possible. The card terms allow up to 3% (up to 1% international transaction fee) and Paymentscan measured about 1.5% in a real payment (1% Visa plus 0.5% Tria), see tests
Crypto conversion fee0%11,10No Tria top-up fee. A provider fee (swap slippage, routing, network) is shown in the app before confirming and varies; the terms allow up to 1% on USDC settlement or deposit. One reviewer measured about 0.4% sell spread, see tests0%11,10No Tria top-up fee. A provider fee (swap slippage, routing, network) is shown in the app before confirming and varies; the terms allow up to 1% on USDC settlement or deposit. One reviewer measured about 0.4% sell spread, see tests0%11,10No Tria top-up fee. A provider fee (swap slippage, routing, network) is shown in the app before confirming and varies; the terms allow up to 1% on USDC settlement or deposit. One reviewer measured about 0.4% sell spread, see tests
Top-up fee0%10,11No Tria service fee; Tron needs TRX and Solana needs SOL for network fees0%10,11No Tria service fee; Tron needs TRX and Solana needs SOL for network fees0%10,11No Tria service fee; Tron needs TRX and Solana needs SOL for network fees
Free ATM a month—No ATM withdrawals on the virtual cardFree9,19No free ATM allowanceFree9,19No free ATM allowance
ATM fee—No ATM withdrawals on the virtual card1%9Help centre formula is $1 plus 1%; the card terms and Paymentscan say up to $2 plus 3%1%9Help centre formula is $1 plus 1%; the card terms and Paymentscan say up to $2 plus 3%
ATM fixed fee—No ATM withdrawals on the virtual card$19Terms allow up to $2$19Terms allow up to $2
Inactivity feeFree19Review lists no inactivity fee; the card terms list a 0% monthly feeNot confirmed by the issuerFree19Review lists no inactivity fee; the card terms list a 0% monthly feeNot confirmed by the issuerFree19Review lists no inactivity fee; the card terms list a 0% monthly feeNot confirmed by the issuer
Decline fee$21Applies to declined ATM transactions only, up to $2$21Applies to declined ATM transactions only, up to $2$21Applies to declined ATM transactions only, up to $2
Limits
Spend limit a day$100,0005Membership page shows a $100K daily limit in every plan; one review lists $1M. Spending is also capped by the collateral you hold$100,0005Membership page shows a $100K daily limit in every plan; one review lists $1M. Spending is also capped by the collateral you hold$100,0005Membership page shows a $100K daily limit in every plan; one review lists $1M. Spending is also capped by the collateral you hold
ATM limit a day—No ATM withdrawals on the virtual card$7509,7ATM article: $750 per withdrawal and up to 3 withdrawals in 24 hours; the membership table says up to $750 a day$7509,7ATM article: $750 per withdrawal and up to 3 withdrawals in 24 hours; the membership table says up to $750 a day

Real payments

FX markup paidPaymentscanAbout 1.5% on a foreign payment: 1% Visa plus 0.5% Tria, while Tria advertises 0%16
Conversion spread paidCryptonoshiAbout 0.4% sell spread converting crypto to USD, with no load fee19

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Rewards you can spend$720 paid in a volatile token, counted at 80%+$576
Subscription−$250
FX fee on foreign spend−$36
Fees on every purchase−$48
Net a year, Premium plan$242

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator9 of 25

Terms name Nimbus and Third National as issuers. Threely Dimensions, Inc. publishes no licence of its own.1,2,3

Custody and fund protection13 of 20

Tria says it never holds funds, but its top-up guide describes a card balance that cannot be unloaded.4,10

Incidents in the last 24 months12 of 20

A Rain hack reportedly took about $1M of Solana deposits in Aug 2026, and users were repaid. Cashback was cut in Jun 2026.20,21,3

Track record and verified volume9 of 15

$184M spend tracked by Paymentscan since Sep 2025.16

Published fees and terms6 of 10

Detailed terms and help pages, but they disagree on the plan price, cashback thresholds and ATM fee.1,3

Support and user sentiment4 of 10

In-app support only. iOS 3.5 from 40 ratings; users report late cashback.12,17,19

Company

Legal entityThreely Dimensions, Inc. (operates Tria)3,4Terms of Service are governed by Delaware law
Websitetria.so25

Issuer and licence

Card issuerNimbus, LLC (international cardholders); Third National, LLC (US cardholders)1,2Named in the issuer terms. Visa issuing country is Puerto Rico per the lounge guide
Program managerRain16,1Paymentscan names Rain; the international terms link to Rain's privacy policy. Tria itself says it is not a card issuer
NetworkVisa7,1
Card levelVisa Platinum (Virtual); Visa Signature (Signature, Premium)19Product level per a third-party review; the issuer does not state it

The card

Statuslive5,17
Launched2025-093Earliest date the issuer's terms show the card programme running. The app was released Jul-18, 2025 (App Store); a review gives Oct 2025
Typesecured credit1,2Terms call it a credit card with a limit equal to the collateral you post; reviews describe it as debit
FormsVirtualPhysicalMetal12
Custodyself-custody4,7Tria says it never holds funds; the top-up guide says deposits are converted and credited to a card balance, so the exact flow should be checked in the app
How custody worksTerms say collateral stays in your linked wallet and can be liquidated by the issuer; the help centre top-up guide describes a card balance funded by converting your crypto1,10
KYCfull12
KYC documentsPersonal details, valid ID document and a selfie12
KYC timeAbout 20 minutes of onboarding16Third-party estimate
Minimum age1812
Settles inUSD1
Card currenciesUSD1

Funding

Crypto acceptedUSDCUSDTBTC10The guide gives USDC and USDT as examples and BTC with its own minimum; the help centre claims 1,000+ supported tokens but publishes no list
ChainsBitcoinEthereumPolygonBaseArbitrumOptimismBNB ChainAptosTronSolana10Avalanche is not supported; direct SOL deposits are not accepted
Deposit feesNo Tria fee; a provider fee varies by token and route11,10Solana deposits need SOL for gas and Tron needs TRX; other chains are gasless
Minimum deposit$50 for BTC; $10 for all other supported tokens10
Spends fromCard balance credited after converting the deposit10Other Tria pages say crypto stays in the wallet until the swipe

Payments

Apple Pay7,5
Google Pay7,5
Blocked merchantsGambling and gamingCash-like transactionsPerson-to-person transfers1,3Cash-like and gambling transactions may be blocked under the card terms; they are also excluded from cashback

Where it works

RegionsWorldwide7
Countries1507Help centre says 150+; one review counts 220+
United States2US card terms exist; one review also says US residents can apply

Account

OtherSelf-custody wallet with trading, futures and Tria Earn (up to 6% Virtual, 10% Signature, 15% Premium boost)7

Security

Freeze card14Physical cards can be frozen in the app
Biometrics14Card number and CVV are hidden behind a biometric check

App

App Store rating3.517Only 40 ratings
App Store ratings4017
Google Play rating4.218
Google Play installs100K+18
App StoreOpen in App Store17
Google PlayOpen in Google Play18
LanguagesEnglishJapaneseKoreanSpanish19
Web app5
SupportIn-app support12

Reputation

Common complaintsCashback is paid late; the terms allow up to 12 months and users report waiting 3 months or more, Funds cannot be taken back out of the card once topped up, Physical card delivery rolled out slowly (Japan only as of Jan-22, 2026), Help articles and terms disagree on prices, caps and fees3,19,23,24
Common praiseHigh cashback at the Signature and Premium tiers, Support rated well by a reviewer19

Adoption

Users, claimed600,000+ users18
On-chain spend, all time$183,600,00016Spend authorizations via Rain
On-chain spend, last month$15,790,00016Oct 2026

Referrals

User referralsYes19Sign-up uses invite or access codes per a review

Incidents and changes

Aug 2026A hack at card provider Rain reportedly took about $1M of Solana deposits on their way to Tria and Avici card accounts; Finek reported affected users were being repaid.20,21hack
Jun 2026From Jun-01, 2026 cashback got monthly spend thresholds ($100 Virtual, $1,000 Signature, $2,000 Premium) with a lower rate above them; before that there was no monthly cap.3,8fee change

More details

Plan namesVirtual = Lite, Signature = Pro, Premium = Max (card terms use the first names, the app and help centre use the second)1,7
Staking badge boostOptional staking badges add +0.25% (Seed) to +2% (VIP Infinity) cashback, only within the monthly spend threshold3
Joining bonus (ended)40% of the membership price back as a joining bonus on the first card purchase, offered Sep-26 to Oct-11, 20265
Auto-renewalOff by default; without renewal the card keeps working but cashback stops6
Collateral and liquidationThe card is a credit line secured by crypto you post; if collateral value falls below charges, the issuer can liquidate it1
Issuing countryPuerto Rico (Visa benefits and lounge registration use it)13
Lounge access costPro and Max physical cards only; a fee is charged for every visit13

Quick answers

What does the Tria Card cost?

The Virtual plan: Free a month, — for a physical card.

How much cashback does the Tria Card pay?

1.5% on the Virtual plan, paid in USDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app.

What is the Tria Card FX fee?

0% on the Virtual plan.

Is the Tria Card custodial?

Self-custody. Terms say collateral stays in your linked wallet and can be liquidated by the issuer; the help centre top-up guide describes a card balance funded by converting your crypto

Is the Tria Card available in the US, the UK and the EEA?

US: yes. UK: not stated. EEA: not stated.

How much do you keep with the Tria Card?

$242 a year on the Premium plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. International Card Terms and Important Disclosures (Nimbus, LLC), updated Jan-09, 2026, fee disclosure Oct-31, 2025, issuer, Nov-05, 2026
  2. U.S. Card Terms and Cardholder Agreement (Third National), updated Jan-09, 2026, issuer, Nov-05, 2026
  3. Card Cashback Terms and Conditions, updated Jun-01, 2026, issuer, Nov-05, 2026
  4. Tria Terms of Service, issuer, Nov-05, 2026
  5. Tria membership page (plans and prices), issuer, Nov-05, 2026
  6. Tria Card Membership Renewal FAQ, issuer, Nov-05, 2026
  7. What are Tria Cards? (help centre), issuer, Nov-05, 2026
  8. Cashback Season 3 Guide (help centre), issuer, Nov-05, 2026
  9. ATM Withdrawals (help centre), May-15, 2026, issuer, Nov-05, 2026
  10. Tria Card Top-Up Guide (help centre), issuer, Nov-05, 2026
  11. What are Provider Fees? (help centre), May-01, 2026, issuer, Nov-05, 2026
  12. How to get a Tria Card (help centre), issuer, Nov-05, 2026
  13. Airport Lounge Access Guide (help centre), issuer, Nov-05, 2026
  14. Card Security and Troubleshooting (help centre), issuer, Nov-05, 2026
  15. What are Tria Memberships? (help centre), issuer, Nov-05, 2026
  16. Tria Card on Paymentscan, paymentscan, Nov-05, 2026
  17. Tria: Crypto & Cards on the App Store, app store, Nov-05, 2026
  18. Tria: Crypto & Cards on Google Play, app store, Nov-05, 2026
  19. Tria Card review, Last Updated Nov-02, 2026, review, Nov-05, 2026
  20. Finek channel post, Aug-28, 2026, community, Nov-05, 2026
  21. Finek channel post, Aug-29, 2026, community, Nov-05, 2026
  22. Cashback General Information (help centre), issuer, Nov-05, 2026
  23. Finek chat, user report, Aug-26, 2026, community, Nov-05, 2026
  24. Finek chat, user report, Jan-22, 2026, community, Nov-05, 2026
  25. Tria Help Center, issuer, Nov-05, 2026

Something wrong or out of date? Report it with a source.