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Tria Card

A self-custody Visa card that pays cashback in USDT. 3 plans, from $20 to $250 a year. No FX fee on US dollars.

Short answer: At $2,000 a month in the US, Tria Card pays back $99.17 a month after fees and FX. That’s a real cashback rate of 5.0%, against an advertised rate of up to 6%. In our own test, purchases outside US dollars cost 1.93% over the market rate, against the 1.5% it publishes (310 purchases, 15 May 2026 to 30 Sep 2026).

Terms checked Our full testHow we work it out

a month in

All amounts in US dollars

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a month

$99.17 a month

Advertised up to 6% , real cashback rate 5.0%, on the Max (Metal) plan

$120.00 cashback$20.83 card fees$0.00 FX and other fees

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Pick a plan

Tria Card has three plans: Lite, Pro and Max.

  • Lite costs $20 a year and pays 1.5% on the first $1,000 a month, then 0.5%.
  • Pro costs $109 a year and pays 4.5% on the first $1,000 a month, then 1%.
  • Max costs $250 a year and pays 6% on the first $2,000 a month, then 1%.

At $2,000 a month in the US, Max pays back the most of the three.

  • Lite

    $20 a year, 1.5% on the first $1,000, then 0.5%

    • 1.5% back on trips booked through Tria Travel, with no monthly cap

    $18.33 a month, 0.9%

  • Pro

    $109 a year, 4.5% on the first $1,000, then 1%

    • 4.5% back on trips booked through Tria Travel, with no monthly cap

    $45.92 a month, 2.3%

  • Pays the most

    Max (Metal)

    $250 a year, 6% on the first $2,000, then 1%

    • 6% back on trips booked through Tria Travel, with no monthly cap

    $99.17 a month, 5.0%

What you keep as spend grows

0%2%4%6%$1k$2.5k$5k$7.5k$10kAdvertised: up to 6%4.96% at $2,000

Hover the line to see other amounts.

Effective rate after fees in the US, on the plan that pays most at each spend. Where the line turns down, a monthly cap has been reached.
Show as a table
Monthly spendWhat you keepPlan
$2500.87%Pro
$5002.68%Pro
$7503.29%Pro
$1,0003.92%Max (Metal)
$1,5004.61%Max (Metal)
$2,0004.96%Max (Metal)
$2,5004.17%Max (Metal)
$3,0003.64%Max (Metal)
$4,0002.98%Max (Metal)
$5,0002.58%Max (Metal)
$6,0002.32%Max (Metal)
$7,5002.06%Max (Metal)
$10,0001.79%Max (Metal)

Every fee

Lite costs $20 a year, Pro $109 and Max $250. Outside US dollars, spending costs 1.93% all in, from our own test.

Yearly fee
$20, $109 or $250Depends on the plan
FX fee
0% Tria FX fee advertised, but Visa's FX may still apply (help center); the card terms allow up to 3% FX plus up to 1% on international transactions
Conversion fee
No fee on US-dollar purchases. Purchases in other currencies carry a 0.5% Tria fee (shown in the app as 1% discounted to 0.5% for all cardholders, October 2026) on top of Visa's 1% FX fee. A $0.15 convenience fee is shown but waived. Seen in our own fee test (Nov 2025 to Sep 2026); Tria's published terms and help center don't state these fees
Topping up
0% Tria deposit fee on crypto top-ups; swap and bridge provider fees can apply; the International terms allow up to 1% on USDC settlement or deposit
ATM withdrawals
$1 + 1% per withdrawal (help center, May 2026); the card terms allow up to $2 + 3%
Card issue
Annual membership: Lite $20, Pro $109, Max $250 a year (Tria blog and app, 26 Sep 2026; the card fee schedule still lists $25 / $109 / $250 under the old names)
Monthly fee
$0

Our own test

Our fee test · Since Tria's 0.5% fee began · 310 non-USD purchases on our own card

We actually paid 1.93% above the mid-market rate, against 1.50% in advertised fees, with 0.5–6% cashback advertised.

Read the full fee test: 790 purchases, every currency →

Where these numbers come from

Tria Card's published terms, checked . Where sources disagree, we go with the less generous reading.

What changed on this card

  • Entry plan renamed Lite, with a higher capTria renamed its plans Lite, Pro and Max. Lite now pays 1.5% on the first $1,000 a month (was $100) and costs $20 a year (was $25). Pro and Max rates are unchanged. The fee schedule still shows the old figures.Tria blog: Lite, Pro and Max membershipsPays more
  • 0.5% fee on purchases outside US dollarsFrom mid-May 2026 our own Tria card shows a 0.5% Tria fee on purchases in other currencies, on top of Visa's 1% FX fee. US-dollar purchases have neither. The app shows the fee as 1% discounted to 0.5% for now.Our fee test, Nov 2025 to Sep 2026Costs more

What's good and what to watch

Good

  • Up to 6% cashback on the top tier (first $2,000/mo)
  • No fees on US-dollar purchases
  • 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

Watch

  • Boosted rate only applies up to the monthly cap; spend above drops to 0.5%/1%
  • Purchases outside US dollars pay a 0.5% Tria fee on top of Visa's 1% FX fee: about 1.9% over the market rate all in, in our own test
  • 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
  • Cashback is paid in batches: the help center says quarterly after a wait of up to 90 days, and the terms allow up to 12 months after each month
  • Some jurisdiction exclusions (India/China/Turkey/Israel/Vietnam) are third-party-reported, not in official terms

TRIA price

At a glance

Network
Visa
Custody
self-custodial
Card type
prepaid
Form
Physical & virtual
Mobile wallets
✓ Apple Pay✓ Google Pay
Chains
BitcoinEthereumPolygonBaseArbitrumOptimismBNB Smart ChainAptosSolanaTronXRP LedgerArc
Tokens
USDCUSDTBTCETH
Availability
200+ countries in the app's country list, including the US (separate US card), UK, EU, Canada, Australia, Hong Kong and the UAE; excludes sanctioned and high-risk jurisdictions
KYC
Required (Sumsub)
Extra rewards
Points program
Funding
Crypto top-up (1,000+ tokens, auto-swapped)
Spending limit
Up to $1,000,000 a day per Tria's homepage and membership page, within the collateral you hold
ATM limit
$750 per withdrawal, 3 withdrawals in 24 hours (help center). Tria's plan table lists ATM use on Signature and Premium only, up to $750 a day

Perks and benefits

  • Lounge access
    Visa Airport Companion pay-per-visit (physical Signature/Premium cards)
  • Idle-balance yield
    Up to ~15% APY on idle self-custodial balance (variable DeFi)

Compare it and read more

Compare Tria Card

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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.

Tria CardGo to Tria Card

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