Tria card review: fees, cashback and who it suits

Tria is a self-custodial Visa crypto card: you spend from your own wallet instead of an exchange balance. It comes as a virtual or physical card, works with Apple Pay and Google Pay, requires identity verification (KYC) and claims support for 1,000+ tokens, including BTC, ETH, SOL and USDC. Card use is marketed in 150+ countries, with separate US and international terms. It suits crypto holders who want to keep custody of their funds and still pay by card abroad.

Costs under the card terms (US and international, as of 31 Aug 2026): an annual fee of USD 25 for Virtual, USD 109 for Plastic and USD 250 for Metal, with no monthly fee; the international terms can also charge an issue fee at the same tier prices. Spending in a currency other than USD carries an FX fee of up to 3%, plus up to 1% international-transaction fee under the international terms. ATM withdrawals cost up to USD 2 plus 3%. The cashback terms use their own tier names: Virtual pays 1.5% on the first USD 100 a month, then 0.5%; Signature 4.5% on the first USD 1,000, then 1%; Premium 6% on the first USD 2,000, then 1%.

The main trade-offs are the yearly fee, which applies even to the virtual card, and the collateral-backed model: the terms allow liquidation of collateral if an amount owed goes unpaid or the collateral value becomes insufficient. Cashback is paid in supported stablecoins, excludes several transaction categories and can arrive later than the purchase.