Compare
Tria vs Crypto.com Card
Pick Tria if you want to keep your crypto in your own wallet: it is a self-custodial Visa card marketed in 150+ countries, with annual fees of 25 USD (Virtual), 109 USD (Plastic) or 250 USD (Metal) and cashback of up to 6% on the first 2,000 USD on Premium (as of 31 Aug 2026).
Pick Crypto.com Card if you already keep funds on Crypto.com and withdraw cash often: the physical Basic card costs USD 4.99 in the US and ATM cash is free up to 200–1,000 USD a month by tier, then 2% (as of 26 Sep 2026), while Tria’s terms list up to 2 USD plus 3% per withdrawal (as of 31 Aug 2026).
On FX, Tria’s terms allow up to 3% plus up to 1% international-transaction fee (as of 31 Aug 2026); Crypto.com US lower tiers pay 3% and higher tiers pay none (as of 26 Sep 2026).
Choose Tria if
- You want to keep custody of your crypto and spend straight from your own wallet
- You spend heavily by card and want 4.5% on the first 1,000 USD (Signature) or 6% on the first 2,000 USD (Premium, as of 31 Aug 2026)
- You hold less common tokens: Tria claims support for 1,000+
Choose Crypto.com Card if
- You withdraw cash regularly: up to 1,000 USD a month free on higher US tiers (as of 26 Sep 2026)
- You live in the US and want a low upfront price: USD 4.99 for a physical Basic card (as of 26 Sep 2026)
- You already use the Crypto.com app and its Level Up plans
Key differences
| Attribute | Tria | Crypto.com Card |
|---|---|---|
| Custody | TriaSelf-custodial: you spend from your own wallet; the collateral-backed terms allow liquidation if collateral falls short | Crypto.com CardCustodial: funds sit in your Crypto.com account |
| 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) | Crypto.com CardUS: physical Basic USD 4.99; no universal annual card fee; inactivity fee 5.95 USD after 12 months (as of 26 Sep 2026). EEA: Basic EUR 4.99 until 30 Sep 2026 |
| Foreign currency | TriaUp to 3%, plus up to 1% international-transaction fee under the international terms (as of 31 Aug 2026) | Crypto.com CardUS Midnight/Ruby/Jade/Indigo: 3%; higher tiers: none. Crypto.com announced new EEA tier rules from 1 Oct 2026 (as of 26 Sep 2026) |
| ATM cash | TriaUp to 2 USD plus 3% per withdrawal (as of 31 Aug 2026) | Crypto.com CardUS: 200, 400, 800 or 1,000 USD a month free by tier, then 2% (as of 26 Sep 2026) |
| Cashback | TriaVirtual 1.5% on the first 100 USD a month, then 0.5%; Signature 4.5% on the first 1,000 USD, then 1%; Premium 6% on the first 2,000 USD, then 1%; paid in stablecoins (as of 31 Aug 2026) | Crypto.com CardUS: none on Level Up Basic, 1.5% Plus, 2.5% Pro, 3.5% or 4.5% Private, with monthly caps (as of 26 Sep 2026) |
| Assets and coverage | Tria1,000+ tokens claimed, including BTC, ETH, SOL and USDC; card marketed in 150+ countries | Crypto.com CardCrypto-to-card transfer, assets vary by region; programs for the US, Europe, UK, Canada, Singapore, Australia and select GCC markets |
What a trip costs with Crypto.com 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 USD.
Assumes a USD card used in another currency outside Europe, so payments and cash are converted.
For this trip Crypto.com Midnight costs about 45.99 USD.
FAQ
Is Tria really self-custodial, unlike Crypto.com Card?
Yes. Tria is a non-custodial Visa card: you spend from your own wallet, and its collateral-backed terms allow liquidation if an amount owed is unpaid or collateral value becomes insufficient (as of 31 Aug 2026). Crypto.com Card is a custodial prepaid card funded from your Crypto.com account.
Which card costs less per year?
For a light user in the US, Crypto.com: a physical Basic card costs USD 4.99 and there is no universal annual card fee, though a 5.95 USD inactivity fee applies after 12 months without use (as of 26 Sep 2026). Tria charges an annual fee of 25 USD for Virtual, 109 USD for Plastic and 250 USD for Metal (as of 31 Aug 2026).
Which is cheaper for ATM withdrawals?
Crypto.com in the US: 200 to 1,000 USD a month free by tier, then 2% (as of 26 Sep 2026). Tria’s terms list up to 2 USD plus 3% per withdrawal (as of 31 Aug 2026). Example: a 200 USD withdrawal can cost up to 8 USD with Tria (2 USD plus 6 USD).
Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare