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Tria Card

by Tria (collateral-backed Visa program) · Updated 2026-06-28

Get my Tria Card
Marketed: 6.0%Your effective cashback: 2.6% ($129/mo) at $5,000/mo on the Premium (Metal) plan
Cashback earned on your spend
$2,000 spent × 6.0%
6.0% applies to the first $2,000/mo of spend
$120/mo
$3,000 spent × 1.0%
1.0% on the rest of your spend (no cap)
$30/mo
Gross cashback per month
sum of the bands above, before fees
$150/mo
Annual cashback
$150/mo × 12 months
$1,800/yr
Fees subtracted (first-year view)
Annual membership fee
recurring cost to hold this plan
−$250/yr
Net cashback after fees
annual cashback minus all fees
$1,550/yr
Effective cashback rate
net ÷ your annual spend (2.6%)
2.6%

Based on your monthly spend, edit it on the home page.

At a glance

Network
Visa
Custody
self-custodial
Card type
prepaid
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
EthereumPolygonArbitrumOptimismSolana
Tokens
USDCUSDT
Availability
Global incl. a separate US product; excludes sanctioned/high-risk jurisdictions
KYC
Required (Sumsub)
Extra rewards
Points program
Funding
Crypto top-upCredit card
Spending limit
Up to $1,000,000/day (third-party-reported)

Pros

  • Up to 6% cashback on the top tier (first $2,000/mo)
  • Cashback paid in liquid USDT on Arbitrum, no vesting (Season 3, June 2026)
  • Self-custodial (MPC/TSS; issuer never holds custody)
  • No staking/locking required to access any tier
  • Apple/Google Pay on all tiers

Cons

  • Boosted rate only applies up to the monthly cap; spend above drops to 0.5%/1%
  • Higher cashback requires a paid annual membership (recurring, not one-time)
  • T&C reserves FX markup up to 3% despite 0% marketing
  • Optional staking 'badges' (+0.25%–2%) only apply within the monthly cap
  • Some jurisdiction exclusions (India/China/Turkey/Israel/Vietnam) are third-party-reported, not in official terms

Cashback plans

Fees

FX markup
0% advertised; T&C reserves up to 3% (+ up to 1% intl transaction)
ATM
Up to $2 + 3% per T&C (all tiers); '$750/day, Premium 0%' is third-party-reported/unverified
Spending (crypto→USD)
$0 (no per-payment fee found in official docs)
Funding / top-up
Crypto top-up; up to 1% USDC settlement/deposit fee per International T&C
Issuance
Annual tier fee ($25/$109/$250; Virtual free for a limited time)
Monthly
$0

Perks & benefits

Get my Tria Card

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We may earn a commission if you sign up through our links, but it never affects our rankings or the cashback math.

Sources & how we verify this

Researched June 2026 against official docs.tria.so legal terms (card-cashback-terms effective 2026-06-01, card-terms-us, card-terms-international, prohibitions-list) and the official Season 3 blog. CONFIRMED: rates/caps, USDT cashback (no vesting), no staking requirement, Visa, self-custodial, Apple/Google Pay, USDC/USDT. CHANGED vs prior seed: fees are ANNUAL/recurring (T&C 'Annual Fees'); FX up to 3% per T&C; funding has up to 1% USDC settlement fee; removed spurious '~0.5% per-payment' fee; dropped Base (not in any official doc); regions caveated. UNVERIFIED: '$750/day Premium 0% ATM' (third-party only); $1M/day spend limit (third-party). tria.so/pricing and /rewards return 404. Legal tier names: $109='Plastic Card', $250='Metal Card'. Separate Tria Points loyalty system does not affect cashback. Verify terms before publishing.

Card terms are researched and illustrative, so always confirm the latest with the issuer. Nothing here is financial advice.

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