What Tria Card charged on 790 real purchases
This test is about fees. We wanted to know what Tria Card actually takes when you pay with it, especially in other currencies, including costs that never appear on its fee page. So we checked every purchase on our own Tria card, 1 Nov 2025 to 30 Sep 2026, against the mid-market rate, and put what we paid next to the advertised fees and the advertised cashback.
Non-USD purchases, since Tria's 0.5% fee began, against the mid-market rate.
Advertised fees, what we paid, and cashback
Since Tria's 0.5% fee began
15 May 2026 to 30 Sep 2026 · 310 non-USD purchases
0.43% more than the advertised fees.
Advertised cashback minus what we paid: +4.07% of spend on Max plan, first $2,000 a month, before the plan's fee. By plan and spend below.
Advertised cashback is the card's published rate; our test doesn't measure it.
Before Tria's fee
1 Nov 2025 to 13 May 2026 · 431 non-USD purchases
0.35% more than the advertised fees.
Advertised cashback by plan and spend
Tria Card's advertised cashback, plan by plan, at each monthly spend. FX txn is what you keep on purchases in other currencies, after the plan's fee and the 1.93% we actually paid on non-USD purchases. USD txn is the same on purchases in US dollars, where we paid nothing extra.
Lite
$20 a year1.5% on the first $1,000 a month, then 0.5%
| Spend | Cashback | FX txn | USD txn |
|---|---|---|---|
| $500 | 1.50% | −$3.82−0.76% | +$5.831.17% |
| $1,000 | 1.50% | −$5.97−0.60% | +$13.331.33% |
| $2,000 | 1.00% | −$20.27−1.01% | +$18.330.92% |
| $5,000 | 0.70% | −$63.17−1.26% | +$33.330.67% |
Pro
$109 a year4.5% on the first $1,000 a month, then 1%
| Spend | Cashback | FX txn | USD txn |
|---|---|---|---|
| $500 | 4.50% | +$3.770.75% | +$13.422.68% |
| $1,000 | 4.50% | +$16.621.66% | +$35.923.59% |
| $2,000 | 2.75% | +$7.320.37% | +$45.922.30% |
| $5,000 | 1.70% | −$20.58−0.41% | +$75.921.52% |
Max (Metal)
$250 a year6% on the first $2,000 a month, then 1%
| Spend | Cashback | FX txn | USD txn |
|---|---|---|---|
| $500 | 6.00% | −$0.48−0.10% | +$9.171.83% |
| $1,000 | 6.00% | +$19.871.99% | +$39.173.92% |
| $2,000 | 6.00% | +$60.573.03% | +$99.174.96% |
| $5,000 | 3.00% | +$32.670.65% | +$129.172.58% |
Advertised rates, not measured. Amounts are per month, with each plan's yearly fee spread over twelve months. Category bonuses, such as travel booked through the card, aren't included.
By currency
Since Tria's 0.5% fee began
15 May 2026 to 30 Sep 2026 · 335 purchases
| Currency | Purchases | Typical cost | Middle half |
|---|---|---|---|
| AUD | 188 | 1.93% | 1.70% to 2.16% |
| JPY | 113 | 1.99% | 1.83% to 2.08% |
| HKD | 7 | 1.54% | 1.54% to 1.62% |
| EUR | 2 | 1.84% | – |
| USD | 25 | 0% | 0% |
Before Tria's fee
1 Nov 2025 to 13 May 2026 · 454 purchases
| Currency | Purchases | Typical cost | Middle half |
|---|---|---|---|
| AUD | 375 | 1.31% | 1.13% to 1.62% |
| THB | 45 | 1.75% | 1.45% to 1.83% |
| HKD | 5 | 1.10% | 1.09% to 1.11% |
| SGD | 3 | 1.01% | – |
| AED | 2 | 1.01% | – |
| EUR | 1 | 0.93% | – |
| USD | 23 | 0% | 0% |
How we worked it out
We check every purchase against that day's mid-market rate (the real exchange rate, with no markup) and report the typical cost in each currency. Every card gets at least a week of regular spending on the card first. How we test
- The headline counts only purchases from 15 May 2026, when Tria began charging 0.5% on purchases outside US dollars, so it reflects today's fees. The months before are shown for comparison.
- The gap between the published 1.5% and the measured 1.93% is Visa's exchange rate, which came out about 0.4% above the market rate.
- Tria's app lists its fee as 1%, discounted to 0.5% for now. If the discount ends, purchases outside US dollars would cost about 0.5% more.
- We left out one large hotel pre-authorization, which didn't behave like an everyday purchase.
The rankings use 1.9% for Tria on purchases outside US dollars and 0% in US dollars.
Tria Card
Plans, every fee and what it pays back at your spend are on the card's page.
Affiliate link: we may earn a commission if you sign up.
More cards are being tested every week. See all our tests.
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.