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Review

Tria

Tria is a self-custodial Visa spending card that keeps assets in your own MPC wallet and converts crypto to fiat at the moment of payment. As of 2026 it offers Virtual, Signature and Metal tiers with one-time fees and tiered cashback; verify current onboarding, KYC and caps for your country before relying on it for travel.

Last checked: 2026-06-22Overall: 4/5Fees: 4/5Travel: 4/5

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.
  • Tria is a genuine self-custodial option in 2026; confirm current tier fees, cashback caps and country onboarding in-app before relying on it.
  • Keep at least one backup provider for critical trips or payouts.

Availability

Available

150+ countries claimed (US, UK, Europe, Canada, LatAm, APAC, MEA); excludes Russia, China, India and US-sanctioned regions

Live in 2026 with Virtual, Signature and Metal tiers; confirm onboarding and KYC for your specific country.

Card and payments

Type
Virtual + physical
Custody
Non-custodial
KYC
Required
Apple Pay
Yes
Google Pay
Yes

Watchout

  • Self-custody does not remove issuer, network, compliance, smart-contract or token-price risk.
  • Reward, APY and insurance/perk claims need current terms review before funding the card.

Fees and limits

IssueOne-time tier fee: Virtual ~25 USD, Signature ~109 USD, Metal ~250 USD; no monthly fee
MonthlyNo monthly fee
AnnualNo annual fee
FXNo Tria conversion markup; standard ~1% Visa network fee plus FX on non-USD spend
ATMVirtual tier limited; Signature and Metal state full ATM access
SpendZero Tria deposit, withdrawal and top-up fees stated; blockchain/network costs still apply
LimitsDaily 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

  • Newer than bank-linked cards; top-tier 6% cashback is capped and reward/APY terms can change
  • Self-custody means you are responsible for wallet security and key recovery

Risks / compliance notes

  • Self-custody does not remove issuer, network, compliance, smart-contract or token-price risk.
  • Reward, APY and insurance/perk claims need current terms review before funding the card.

Official sources

Verified from official pages: Tria homepage

Data confidence

Source checked
2026-06-22
Data confidence
Medium
Review status
Fresh
  • Tria is a genuine self-custodial option in 2026; confirm current tier fees, cashback caps and country onboarding in-app before relying on it.

Alternatives

Nexo Card

Dual-mode crypto card for eligible European users.

4/5
Last checked: 2026-06-22
  • Existing Nexo users in eligible European countries
  • Users comparing dual credit/debit crypto card models
ReviewCheck terms

Gnosis Pay

Self-custodial Visa debit card spending stablecoins from a Safe account.

4/5
Last checked: 2026-06-22
  • EEA, UK and Swiss users who want self-custodial stablecoin spending
  • Users comfortable managing a Safe smart account
ReviewCheck terms

RedotPay

Stablecoin-based card with clear issue fees and strict country exclusions.

3/5
Last checked: 2026-06-22
  • Users in supported countries who want stablecoin-funded spending
  • Comparing virtual vs physical card setup costs
ReviewCheck terms

Popular head-to-head comparisons

Tria vs Nexo CardTria vs Gnosis PayTria vs WirexTria vs RedotPayTria vs Crypto.com CardTria vs Bybit Card

Related next steps

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FAQ

Does Tria hold my crypto?

No. Tria is self-custodial: assets stay in your own MPC wallet and are converted to fiat only at the moment of each card payment. That removes platform custody risk but means wallet security and key recovery are your responsibility.

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.