Nexo Card
Dual-mode crypto card for eligible users in Europe and Argentina.
Last checked: 2026-08-10
- Existing Nexo users in eligible European countries or Argentina
- Users comparing dual credit/debit crypto card models
Review
Tria Card review: fees, self-custody, limits and risks
Review Tria Card fees, MPC self-custody funding, card tiers, limits and travel risks. Verify current onboarding, KYC, eligibility and official terms.
Last checked: 2026-08-31
Not financial advice
Crypto cards are not bank deposits. Check official terms, custody model, issuer availability and compliance requirements before loading funds.
Best for
- Self-custody-focused crypto spending
- Comparing crypto card rewards and card tiers
Avoid if
- Users in excluded regions
- Users who want a traditional bank debit card
Summary verdict
- Self-custodial Visa crypto card with 1,000+ asset support claims.
- Fee labels and tier names differ between marketing and the US/international legal terms; legal terms control.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
Card use is marketed in 150+ countries; onboarding and the applicable terms are region-dependent
The checked US and international terms differ. Confirm the issuing entity, onboarding eligibility and fee schedule for your residence.
Card and payments
- Type
- Virtual + physical
- Custody
- Non-custodial
- KYC
- Required
- Apple Pay
- Yes
- Google Pay
- Yes
Watchout
- The collateral-backed terms allow liquidation when an amount owed is unpaid or collateral value becomes insufficient.
- Cashback is paid in supported stablecoins, excludes multiple transaction categories and can be distributed later under the rewards terms.
Fees and limits
| Issue | International terms list 25 USD Virtual, 109 USD Plastic and 250 USD Metal; confirm whether an issue fee applies under your entity |
|---|---|
| Monthly | No monthly fee in the checked card terms |
| Annual | 25 USD Virtual, 109 USD Plastic and 250 USD Metal in checked US and international terms |
| FX | Up to 3% FX fee; international terms additionally list up to 1% international-transaction fee |
| ATM | Up to 2 USD plus 3% per ATM withdrawal |
| Spend | International terms list USDC settlement/deposit fees up to 1%; blockchain costs may also apply |
| Limits | Daily transaction limits up to $1,000,000 are claimed |
How it works
- Self-custodial wallet and card model
- Visa card positioning for 150+ countries
- Apple Pay and Google Pay listed for all card tiers
Pros
- Strong fit for users who prioritize self-custody over exchange-funded card balances
- Useful benchmark for crypto spending, rewards and card perk claims
Cons
- Annual card fees apply by tier, and the international terms can also charge card-issue fees
- Cashback is capped and the collateral-backed model can trigger liquidation
Risks / compliance notes
- The collateral-backed terms allow liquidation when an amount owed is unpaid or collateral value becomes insufficient.
- Cashback is paid in supported stablecoins, excludes multiple transaction categories and can be distributed later under the rewards terms.
Official sources
Verified from official pages: Tria card overview
Data confidence
- Source checked
- 2026-08-31
- Data confidence
- High
- Review status
- Fresh
- Fee labels and tier names differ between marketing and the US/international legal terms; legal terms control.
- 2026-09-09: the marketing page advertises zero Tria FX/withdrawal fees, while January card terms still list potential charges. Confirm the disclosures applicable to your actual account; do not treat marketing as a zero-cost guarantee. Cashback caps in the terms apply from June 2026.
Editorial verification
Who checked this review and how
This is a desk review based on recorded official sources, not a hands-on product test or customer review. Compare the documented fees, eligibility and limitations. We do not publish numerical product scores without a reproducible assessment.
- Review process
- Official-source desk review
- Last checked
- Recorded sources
- 4 official sources
Final decision check
Confirm these four points against the provider’s current terms before relying on it.
Availability
Region-dependent — Card use is marketed in 150+ countries; onboarding and the applicable terms are region-dependent
Last checked
Last checked: 2026-08-31
May fit
Self-custody-focused crypto spenders
Main limitation
You do not accept annual card fees
Check current terms
This opens the provider’s official site. Fees, eligibility and availability can change.
Alternatives
Gnosis Pay
Self-custodial Visa debit card spending stablecoins from a Safe account.
Last checked: 2026-08-10
- Eligible users in selected European and Latin American countries who want self-custodial stablecoin spending
- Users comfortable managing a Safe smart account
RedotPay
Stablecoin-based card with clear issue fees and strict country exclusions.
Last checked: 2026-08-24
- Users in supported countries who want stablecoin-funded spending
- Comparing virtual vs physical card setup costs
Head-to-head comparisons
Related next steps
FAQ
Does self-custody remove every Tria card risk?
No. Tria describes a self-custodial wallet, but the card terms provide for collateral-backed charges and liquidation. That is not a promise that assets can move only when you make a purchase. Check issuer, smart-contract, repayment and recovery terms separately.
Can a crypto card replace a bank account?
No. Treat it as a specialized spending tool and keep regulated backup accounts for essential money.
What should I verify first?
Issuer support, KYC rules, custody model, spending fees, ATM costs, card network support and current reward terms.