Good
- Max pays 6% on the first $2,000 a month, up to $120
- Funds stay in your own wallet until you pay
- No Tria fees on deposits, and 0% interest
- ATM withdrawals cost $1 plus 1% on Pro and Max
Watch out
- No free plan, Max costs $250 a year
- Max cashback drops to 1% above $2,000 a month
- Card terms allow FX fees of up to 3%
- The digital Lite card can't withdraw cash
Tria Card is a self-custody Visa card that spends crypto from your own wallet, paid for with a yearly membership. Plans cost $109 a year for Pro and $250 for Max, with a digital Lite card listed at $25. Max pays 6% cashback on the first $2,000 a month and 1% after that.
Technically the card is a 0% interest credit line backed by your crypto as collateral. Your assets stay in your wallet until a payment settles, and you can add the card to Apple Pay or Google Pay where they are supported.
Tria Card cashback
Tria Card pays the most on its Max plan: 6% on the first $2,000 of spending each month, then 1% with no cap.
At the top rate that's $120 a month, or $1,440 a year, against a $250 membership. Max covers its fee after about $4,200 of spending at 6%, just over two months at the cap. Above $2,000 a month, each extra $1,000 earns $10.
The cheaper plans pay less: Lite earns 1.5% and Pro earns 4.5% up to a monthly cap, then 0.5% and 1%. The Tria app shows the current terms for each plan before you activate it.
Cashback started under Season 3 on June 1, 2026. It's paid in USDT on Arbitrum in periodic batches, and you claim it in the Tria app. Tria Travel bookings don't count, and refunded purchases lose their cashback.
Tria Card fees
Tria Card charges no Tria fee on deposits or foreign-currency payments, but the card terms allow the issuer to charge up to 3% on foreign exchange.
The international terms list an FX fee of up to 3% and an international transaction fee of up to 1%, while the US terms allow up to 3% on foreign transactions. Tria's help pages say members pay no Tria FX fees on top of that.
Deposits carry provider fees from the networks and liquidity providers that swap and bridge your tokens. Tria doesn't publish a number for these, but it recommends USDC or USDT on Optimism, Arbitrum, Base or Polygon to keep them lowest.
The yearly membership is the main cost. Pro is $109 and Max is $250, and the card terms say the annual fee is the same as the issuance price, with 0% interest on the card itself.
Tria Card ATM withdrawal fees
Tria Card charges $1 plus 1% per ATM withdrawal on the Pro and Max plans, and the digital Lite card can't withdraw cash.
A $200 withdrawal costs $3 in Tria fees, before anything the ATM owner charges. Each withdrawal is capped at $750, with three per 24 hours. Tria tells you to choose "Credit" at the ATM, because picking savings or checking usually makes the withdrawal fail.
The card terms allow up to $2 plus 3% per withdrawal and up to $2 for a balance inquiry or a declined withdrawal, so the published $1 plus 1% sits below the contractual maximum.
Is Tria Card safe?
Tria Card is self-custody: your crypto stays in your own wallet as collateral, and the card terms say neither Tria nor the issuer holds custody of it.
When you pay, the issuer gets the right to take collateral to settle the purchase. The US terms also allow it if a balance goes unpaid for 21 days or more, or if your collateral falls below what you owe. Until then the assets stay in smart contracts you control.
Outside the US the card is issued by Nimbus, LLC, a Delaware company, and in the US it's issued by Third National. Tria provides access to the card and isn't the lender. Identity checks need an ID and a selfie, and applicants must be 18 or older.
Who should get Tria Card
Tria Card suits people who spend around $2,000 a month by card and want self-custody, because that's where the Max plan pays the most.
At $2,000 a month, Max returns $1,440 a year in cashback for a $250 fee, a net $1,190. At $500 a month the same plan returns $360 for $250, which is still ahead but by much less.
If you spend only a few hundred dollars a month, a yearly fee of $109 or $250 takes longer to earn back, and a free card may serve you better. The comparison below shows the alternatives in your country.
Where Tria Card is available
Tria Card is offered in the US and internationally, with separate card terms and issuers for US residents and everyone else.
You confirm your country of residence when you apply. US residents get the card under the US terms with Third National as the issuer, and everywhere else the international terms apply, with Nimbus, LLC as the issuer and the same three plans.