Worth a look if you want self-custody and are happy to work within a monthly cashback cap. Check the price and FX fee shown in the app before paying for Pro or Max, as Tria’s own documents disagree.
Score breakdown
How we read the terms: Lite tier: 1.5% cashback within the monthly cap. Fees and FX are not scored: the card terms list $25 / $109 / $250 and an FX fee of up to 3%, while the membership page shows Lite at $0 and the help centre promises zero Tria FX fees.
Not rated yet: verified criteria cover 35% of the weight, and we need 70% to give an overall score. How scores are calculated.
Pros
- Self-custody: Tria’s terms say neither Tria nor the issuer holds your collateral
- Cashback paid in a stablecoin (USDT), not a volatile token
- Apple Pay and Google Pay
- Virtual, plastic and metal card options
Cons
- High rates apply only up to a monthly spend cap (1% or less above it)
- Card prices and FX fees differ between Tria’s terms and its help centre
- The 6% rate needs the paid Max membership
- No public list of supported countries
Overview
Tria is a Visa card linked to your Tria wallet. Outside the US it is issued by Nimbus, LLC; US residents get a separate collateral-backed card from Third National. Tria’s terms say it never holds custody of your collateral.
Since 1 June 2026, cashback depends on your membership: Lite 1.5%, Pro 4.5% and Max 6% up to a monthly spend cap, then 0.5% (Lite) or 1% (Pro, Max). Staking badges add a boost within the cap. Cashback is paid in USDT on Arbitrum and must be claimed in the app.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Card tierssource
| Tier | Stake | Subscription | Cashback | Notes |
|---|---|---|---|---|
| Lite | none | $0 on membership page (card terms: $25) | 1.5% | Virtual card; 0.5% above monthly cap |
| Pro | none | Annual membership (card terms: $109) | 4.5% | Plastic + virtual card, lounge access; 1% above $2,000 cap |
| Max | none | Annual membership (card terms: $250) | 6% | Metal + virtual card, lounge access; 1% above $2,000 cap |
Region: global.
Fees and limits
- Card issuance (global)
- Not verified
- Monthly fee (global)
- Not verified
- FX fee (global)
- Not verified
- Top-up (global)
- No Tria deposit fee; provider (swap/bridge/network) fees may applysource
- Free ATM per month (global)
- Not verified
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
We can’t do the maths yet: the entry-tier cashback or one of the fees is not verified.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Available | US terms (Last Updated 9 Jan 2026) require cardholders to permanently reside in the United States. (paraphrased)source |
| UK | Not verified | The issuer’s documents don’t say |
| EEA | Not verified | The issuer’s documents don’t say |
By country
Other regions listed by the issuer: 150+ countries (card support varies by country), US (separate US card terms)source. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Install TriaDownload the Tria app and set up your wallet.
- 2Pick a membershipChoose Lite, Pro or Max and select your country of residence.
- 3Verify your identityComplete KYC with an ID document and a selfie.
- 4Fund and spendTop up from your wallet and add the card to Apple Pay or Google Pay.
Tria Card: common questions
What is Tria’s cashback paid in?
Tria’s help centre says cashback is paid in USDT on Arbitrum and has to be claimed in the app. The cashback terms allow USDC and/or USDT.
Is there a cap on Tria cashback?
Yes. The headline rate applies up to a monthly spend cap, then drops to 0.5% on Lite or 1% on Pro and Max. Tria’s help centre and cashback terms give different cap amounts.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.