Image: Tria
Tria Card review: fees, cashback and limits
A self-custody Visa with paid memberships and up to 6% back on your first $2,000 a month.
Quick answer
Tria is a self-custody Visa card sold as a yearly membership: Lite ($20, virtual), Pro (about $90 to $109, plastic) and Max ($250, metal). Cashback runs from 1.5% to 6% on your first $1,000 or $2,000 of monthly spend, then drops to 0.5% to 1%. Every payment costs 0.5%, non-USD spending adds 1%, and it works in about 97 countries including the US.
Tria at a glance
| Best for | Spenders who'll use the full monthly cashback allowance and want self-custody across many chains. |
|---|---|
| Skip it if | You spend little each month, or you dislike per-payment fees. |
| Network | Visa |
| Card issuer | Not named by Tria |
| Custody | Self-custody (smart account wallet) |
| Card type | Debit |
| Virtual or physical | Virtual (Lite), plastic (Pro), metal (Max) |
| Cashback | 1.5% to 6% on early monthly spend |
| Annual fee | Lite $20 a year. Pro $109 a year per SpendNode ($90 on cryptocards.so). Max $250 a year. |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | About 97 countries as of October 2026, including the US. Other trackers list 150+ countries. |
Tria fees
| Card cost | Included in the yearly membership. Pro and Max holders also get a free Lite card while the physical card ships. |
|---|---|
| Annual or membership fee | Lite $20 a year. Pro $109 a year per SpendNode ($90 on cryptocards.so). Max $250 a year. |
| FX and cross-border | 1% on non-USD spending |
| Crypto conversion | 0.5% fee on every card payment. Deposits are free. |
| ATM withdrawals | Lite: virtual only. Pro: 2%. Max: free up to $750 a day. |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Tria app for your country before you load money. To see what Tria would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Tria
These are Tria's own fees on the Lite tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 1% is the same as the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 24 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #5 of 20 in United States#10 of 36 in Europe (EEA)#9 of 20 in United Kingdom#7 of 27 in Latin America#6 of 24 in Asia-Pacific#4 of 14 in Africa#5 of 16 in Middle East
Cashback and rewards
- Lite: 1.5% on your first $1,000 a month, then 0.5%
- Pro: 4.5% on your first $1,000 a month, then 1%
- Max: 6% on your first $2,000 a month, then 1%
- Past seasons paid cashback in USDT. Check the app for the current payout asset.
| Tier | Price or requirement | Cashback | Notes |
|---|---|---|---|
| Lite | $20/year | 1.5%, then 0.5% | Virtual only |
| Pro | About $90 to $109/year | 4.5%, then 1% | Plastic card, 2% ATM |
| Max | $250/year | 6%, then 1% | Metal card, free ATM to $750/day |
Deposits and withdrawals
How to top up
- Deposit crypto to your Tria smart account on Optimism, Arbitrum or Solana
- 1,000+ supported assets, converted when you pay
- Pay for membership with crypto or a bank card
Fees: Deposits are free. A 0.5% fee applies per card payment.
How to withdraw
- Move funds from your self-custody account to any wallet
- ATM cash withdrawals on Pro and Max
Fees: Network fees for onchain transfers. ATM 2% on Pro, free on Max up to $750 a day.
Supported assets: 1,000+ assets with smart accounts on Optimism, Arbitrum and Solana.
Where Tria works
About 97 countries as of October 2026, including the US. Other trackers list 150+ countries.
China, India and Turkey are listed as not supported. The app tells you during sign-up.
Limits and perks
Limits
- High card limits, listed at up to $1,000,000 a day
- Max ATM: up to $750 a day free
Perks
- All tiers: price protection, purchase protection, rental car damage cover
- Pro and Max: baggage delay and loss cover, Visa Luxury Hotel Collection, Visa Airport Companion, concierge
- Variable yield on idle balances, advertised up to 15%
Pros and cons
What's good
- Up to 6% cashback on Max
- Self-custody with very wide asset support
- Works in the US and many other countries
- Strong Visa protections on all tiers
What's not
- 0.5% fee on every payment, plus 1% on non-USD spending
- High rates only apply to your first $1,000 or $2,000 a month
- Paid memberships from $20 to $250 a year
- Reviewers report conflicting prices and caps, so check the app
- Hit by the August 2026 Rain contract exploit (users were repaid)
Our take on Tria
Tria sells its card as a membership. You pay once a year for Lite, Pro or Max, and that sets your cashback, card material and perks. Your money stays in a self-custody smart account, and you can spend from more than 1,000 assets on Optimism, Arbitrum and Solana.
The headline rates are high: 4.5% on Pro and 6% on Max. They only apply to your first $1,000 (Pro) or $2,000 (Max) of spending each month, then drop to 1%. On Max, that's up to $120 a month back, which pays for the $250 fee in about two months if you hit the cap.
Two fees chip away at that. Every card payment costs 0.5%, and non-USD spending adds another 1%. So on Max the real return on capped spending is closer to 5.5% in USD, or 4.5% abroad. Above the cap, the 1% cashback leaves you only about 0.5% after the payment fee.
Pricing is a little messy across sources. SpendNode lists Pro at $109 while cryptocards.so shows $90, so confirm in the app before you buy.
Worth it if you'll spend close to the monthly cap and like self-custody. For light spenders, the membership and per-payment fees eat most of the rewards.
How we scored Tria: 7.1/10
MethodologyRecent Tria updates
All newsExploit in Rain's Solana card contracts hits Avici and Tria users
Attackers exploited an outdated version of card infrastructure provider Rain's Solana contracts. Avici reported about $500,000 taken from 1,685 card balances and Tria about $432,000 from 636. Both said affected users were repaid with an extra 10% credit.
Tria FAQ
How much does a Tria card cost?
Lite costs $20 a year, Pro about $90 to $109 depending on the source, and Max $250 a year.
How much cashback does Tria pay?
Lite pays 1.5% on the first $1,000 a month, Pro 4.5% on the first $1,000 and Max 6% on the first $2,000. Spending above those amounts earns 0.5% to 1%.
Is Tria self-custody?
Yes. Funds sit in a self-custody smart account.
Is Tria available in the US?
Yes. It's listed in about 97 countries including the US, but not China, India or Turkey.
Sources
- Whale Alert: outdated Rain Solana card contract exploitExploit details, Aug 2026
- SpendNode: Tria card reviewTiers, cashback caps, fees, countries, perks, updated Oct 7, 2026
- Tria Help: How to get a Tria cardLite, Pro and Max cards, application steps
- cryptocards.so: TriaAlternative tier pricing
We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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