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Tria vs Bybit Card
Pick Tria if self-custody matters most: you spend from your own wallet with a Visa card marketed in 150+ countries, paying an annual fee of 25 USD (Virtual), 109 USD (Plastic) or 250 USD (Metal) and earning up to 6% cashback on the first 2,000 USD on Premium (as of 31 Aug 2026).
Pick Bybit Card if you already trade on Bybit and live in a card region: the Bybit EU card is free to issue, adds 0.5% above the Mastercard rate and gives EUR 100 of fee-free ATM cash a month, while Bybit’s global programs charge 1%–7% FX by region (as of 26 Sep 2026).
Tria’s terms list up to 3% FX plus up to 1% international-transaction fee and up to 2 USD plus 3% per ATM withdrawal (as of 31 Aug 2026), so on published maximums Bybit EU costs less abroad for EEA residents.
Choose Tria if
- You want to keep your crypto in your own wallet rather than on an exchange
- You spend heavily by card and want 4.5% (Signature) or 6% (Premium) on the first 1,000 or 2,000 USD (as of 31 Aug 2026)
- Your tokens live outside Bybit: Tria claims support for 1,000+ tokens
Choose Bybit Card if
- You live in the EEA and want 0.5% FX with no card fee and no annual fee (as of 26 Sep 2026)
- You already hold assets in a Bybit Funding Account
- You withdraw cash: EUR 100 a month free on Bybit EU, then 2% (as of 26 Sep 2026)
Key differences
| Attribute | Tria | Bybit Card |
|---|---|---|
| Custody | TriaSelf-custodial; the collateral-backed terms allow liquidation if collateral falls short | Bybit CardCustodial: spends non-fiat assets from your Bybit Funding Account |
| Availability | TriaMarketed in 150+ countries; separate US and international terms | Bybit CardBybit EU for eligible European residents; a separate global program with region-by-region fees |
| Card cost | TriaAnnual fee 25 USD Virtual, 109 USD Plastic, 250 USD Metal; the international terms list the same amounts as issue fees (as of 31 Aug 2026) | Bybit CardBybit EU: virtual and first physical card free, replacement EUR 5. Global: physical card from 0 to USD/USDT 29.99; no annual fee (as of 26 Sep 2026) |
| Foreign currency | TriaUp to 3%, plus up to 1% international-transaction fee (international terms, as of 31 Aug 2026) | Bybit CardBybit EU: 0.5% above the Mastercard rate. Global: 1%–7% by region (as of 26 Sep 2026) |
| ATM cash | TriaUp to 2 USD plus 3% per withdrawal (as of 31 Aug 2026) | Bybit CardBybit EU: EUR 100 a month free, then 2% (as of 26 Sep 2026) |
| Cashback | TriaVirtual 1.5% on the first 100 USD a month; Signature 4.5% on the first 1,000 USD; Premium 6% on the first 2,000 USD; then 0.5%–1% (as of 31 Aug 2026) | Bybit CardSet by campaign, tier and region |
What a trip costs with Bybit Card
Enter your trip and the cards are ranked by what they charge in fees, using each card’s published prices for where you live.
Enter foreign-currency amounts at their value in EUR.
Assumes a euro card used in another currency outside Europe, so payments and cash are converted.
For this trip Bybit Card EU costs about 10.50 EUR.
FAQ
Is Tria or Bybit Card cheaper for spending abroad?
For EEA residents, Bybit EU: 0.5% above the Mastercard rate and no annual fee (as of 26 Sep 2026). Tria’s terms list up to 3% FX plus up to 1% international-transaction fee and a 25–250 USD annual fee by card type (as of 31 Aug 2026). Outside the EU, Bybit’s global programs charge 1% to 7% depending on the region (as of 26 Sep 2026).
How much does ATM cash cost on Tria and Bybit Card?
Tria’s terms list up to 2 USD plus 3% per withdrawal (as of 31 Aug 2026), so 200 USD can cost up to 8 USD. Bybit EU charges nothing on the first EUR 100 a month and 2% above it (as of 26 Sep 2026), so withdrawing EUR 200 in a month costs EUR 2.
How do the custody risks of Tria and Bybit Card differ?
Tria is non-custodial: you hold the keys, but its collateral-backed terms allow liquidation if an amount owed is unpaid or collateral value becomes insufficient (as of 31 Aug 2026). Bybit Card spends from a custodial exchange account, where exchange custody and regional compliance restrictions can interrupt use.
Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare