Tria Card
Tria · Visa · debit · Self-custody · metal
At $1,000/month spend with no stake, Tria Card nets −$127 a year. According to Cardefi data, 8 of 10 key figures are verified from the issuer's pages, latest 6 Sep 2026.
- Cashback at your stake
- 1.5%
- Min. stake for rewards
- None
- Annual fee
- $25
- FX fee
- 3.0%
- Net value / yr
- −$127 at $1,000/mo spend
- Break-even
- $5,000 yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you Virtual Card | Virtual Card | 1.5% | −$127 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | 1.5% × $12,000 (cap) | +$18 |
| Yearly fees | annual $25 + 12 × $0 | −$25 |
| FX on 25.0% of spend | 3.0% + 1.0% × $3,000 | −$120 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | −$127 |
Fees in full
Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.
| Annual fee | $25 / yearThe fee schedule lists identical amounts under both "Card Issue" and "Annual Fee" ($25 / $109 / $250 by tier); recorded here at the Virtual tier.1 source“Virtual Card: $25”[4] · legal · captured 6 Sep 2026 |
| Monthly fee | $0 / month1 source“Monthly Fee: 0%”[4] · legal · captured 6 Sep 2026 |
| Card issuance | —sources disagreeFee schedule prices the Virtual card at $25 (Plastic $109, Metal $250); the landing page calls the Virtual card free. Sources disagree. |
| Foreign transaction (FX) | 3.0%Stated as an upper bound ("Up to 3%"), not a fixed rate1 source“Foreign Exchange ("FX"): Up to 3%”[4] · legal · captured 6 Sep 2026 |
| Crypto conversion / spread | 1.0%USDC settlement/deposit fee, stated as an upper bound1 source“USDC Settlement/Deposit: Up to 1%”[4] · legal · captured 6 Sep 2026 |
| ATM withdrawal | 3.0%Up to $2 plus 3% per withdrawal; balance inquiry and decline each up to $21 source“ATM Fee (Withdraw): Up to $2 + 3%”[4] · legal · captured 6 Sep 2026 |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| Virtual Card | 1.5% · None · Cap: $100 / month of spend · Paid in USDC, USDT |
| Signature Card | 4.5% · $109 / year · Cap: $1,000 / month of spend · Paid in USDC, USDT |
| Premium Card | 6.0% · $250 / year · Cap: $2,000 / month of spend · Paid in USDC, USDT |
Limits
| Spend per month | — not disclosedSpending limit is dynamic and equals the USD market value of posted collateral |
What we could not find
These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.
- Spend per month. Spending limit is dynamic and equals the USD market value of posted collateral
Sources
5 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- docs.tria.so/prohibitions-list · legal · 6 Sep 2026
- www.tria.so/ · landing · 6 Sep 2026
- monsterblockhk.com/en/tria-card-review-guide-2026/ · secondary · 6 Sep 2026
- docs.tria.so/card-terms-international · legal · 6 Sep 2026
- docs.tria.so/card-cashback-terms · legal · 6 Sep 2026
Report a wrong figure
Questions about this card
Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.
- What does Tria Card charge on foreign currency?
- Tria Card adds 3.0% on transactions in a currency other than the account currency.
- Does Tria Card charge an annual fee?
- The annual fee for Tria Card is $25.
- How much cashback does Tria Card pay?
- Tria Card pays up to 1.5%, which is the highest rate any of its tiers reaches.
- What does Tria Card charge at an ATM?
- Tria Card charges 3.0% on ATM withdrawals. The ATM operator may add its own fee on top.
- Who holds the funds behind Tria Card?
- You do. Tria Card pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
- Does Tria Card require identity verification?
- Yes. Tria Card requires full identity verification before the card can be used.