Tria Card vs XPlace
2 crypto cards compared on the numbers that decide value: the real cashback you keep after fees and FX, where each is available, and their perks. Set your monthly spend and region below and every rate updates for your situation.
Cashback and FX are estimated for this spend and region.
| Tria Card | XPlace | |
|---|---|---|
| Effective cashback | 2.6% | 0.7% |
| Net / month | $129 | $33 |
| Network | Visa | Visa |
| Custody | self-custodial | self-custodial |
| Card type | prepaid | credit |
| FX for your region | 0.0% | 0.0% |
| Available in | US, UK, EU, CA, AU, APAC, ROW | US, UK, EU, CA, AU, APAC, ROW |
| Perks | 🛋️💰💳 | 🛋️🎩🏷️💰🏦💳 |
Verdict for your spend
At $5,000/mo in your selected region, Tria Card returns the most real cashback (2.6%). The best card still depends on which perks you want and where you can get it, so check each against your situation.
Tria Card
- ✓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)
XPlace
- ✓Non-custodial: user keys, Kamino Finance smart contracts, XPlace cannot access funds
- ✓Earn yield on collateral while spending (SOL up to 6.15% APY; stablecoins up to 16% APY via Kamino)
- ✓No sell event / taxable event in Credit Mode: borrow against crypto, not sell
See more crypto card comparisons or the best cards for cashback.