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#7 of 26VisaSpendSelf-custodial

Tria Card

Self-custodial Visa from Tria that spends from 1,000+ tokens, with cashback from 1.5% to 6% depending on your membership.

Key facts

Cashback
1.5% to 6%
Annual fee
$20
FX fee
0%
Top-up fee
0%
Per-purchase fee
None listed
ATM
Pro and Max: up to $750 a day, fee not published. No ATM access on Lite.
Card types
virtual, physical, metal
Mobile wallets
Apple Pay + Google Pay

Cashback: Lite: 1.5% on the first $1,000 a month, then 0.5%. Pro: 4.5% on the first $1,000, then 1%. Max: 6% on the first $2,000, then 1%.

FX: Billed in US dollars. Tria charges no FX fee of its own; its help center says fees vary by region and card type, and the card terms allow Visa FX of up to 3%.

G2M score worldwide

69/100
Rewards10.7/25
Fees26/30
Coverage19/20
Ecosystem3/15
Control10/10
How the score works

Where it works

  • IndiaNot available
  • UAEAvailable
  • United StatesAvailable
  • United KingdomAvailable
  • EU / EEAAvailable

229 countries and territories, almost worldwide; excludes sanctioned and high-risk jurisdictions. Includes United States, United Kingdom, Germany, Japan, Brazil.

Banking features

Bank account (IBAN or account number)
No
Send money to a bank account
No
Buy and sell crypto with fiat
No
Spend against crypto without selling
No
Yield on your balance
Yes
ID check for people living abroad
A residence permit or local ID where you live is accepted
Citizens turned away
United States

Tiers and plans

[ tier break-even ]

When a paid tier pays for itself against Lite ($20/yr), with its yearly fee and monthly cashback cap counted.

  • You need to spend at least $248 a month for Pro ($109/yr) to beat Lite ($20/yr).
  • You need to spend at least $426 a month for Max ($250/yr) to beat Lite ($20/yr).
TierCost per yearCashbackMonthly capFX feeHow to get itPerks
Lite$201.5% up to $1,000/mo, 0.5% above $1,000—0%—Virtual Visa Platinum card · 1.5% with no cap on Tria Travel (hotels, rentals; not flights)
Pro$1094.5% up to $1,000/mo, 1% above $1,000—0%$109 a yearPlastic Visa Signature card · 4.5% with no cap on Tria Travel (hotels, rentals; not flights) · Lounge access · Visa Luxury Hotels and Visa concierge · ATM up to $750 a day
Max$2506% up to $2,000/mo, 1% above $2,000—0%$250 a yearMetal Visa Signature card · 6% with no cap on Tria Travel (hotels, rentals; not flights) · Lounge access · Visa Luxury Hotels and Visa concierge · ATM up to $750 a day

Real swipe receipt

What one purchase really costs on Tria Card, with every fee and the cashback.

[ swipe receipt ]Try a $10 coffee, a $50 dinner or a $200 hotel on Tria Card, in your own currency, and post the receipt on X.Open the receipt

What's good

  • No FX or deposit fees on any tier
  • 1.5% on the entry tier, up to 6% on Max
  • Lounge access on Pro and Max

Watch out for

  • Every tier has a yearly fee: $20 Lite, $109 Pro, $250 Max
  • Higher rates stop after $1,000 to $2,000 a month (0.5% after that on Lite)

More details

Perks
Price protection up to $2,000 · Purchase protection up to $10,000 · Spend up to $1M a day on Pro and Max
Spend from
USDC, USDT

Sources · last checked 25 Oct 2026

Terms change often. Confirm fees and availability on the official Tria site before you apply. Spotted something out of date? Tell us.

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