#9
Bitget Wallet Card
8.2/10
Ranked #10 of 32
Overview
Tria Card is a self-custodial Visa card from Tria, a Web3 neobank. Your crypto stays in your own TSS (Threshold Signature Scheme) smart-account wallet across chains like Optimism, Arbitrum, and Solana, and is only converted to fiat at the moment you tap to pay, so Tria never takes custody. It supports 1,000+ tokens for top-ups, works at 130M+ Visa merchants in 150+ countries, and adds Apple Pay and Google Pay from day one. There are no seed phrases; you sign in with Google or Apple ID.
★ Tria Card referral code
56KG25FXHL
New users typically enter an access/referral code during sign-up to bypass the waitlist and unlock the boosted cashback tier. Cashback is paid in TRIA tokens and vests over time. Rewards vary by season and region and are set by Tria .
Rating breakdown
How the Tria Card scores across the categories we weigh into its overall 8.1/10.
Fees & value8.0
Rewards8.3
Ease of use8.2
Security & custody8.6
Availability7.4
Cashback & rewards
Tria advertises up to 6% cashback, but the mechanics matter. Rates are tiered and, as of Season 3 (June 2026), capped by monthly spend: Virtual earns 1.5% on the first $100/month (0.5% above), Signature 4.5% on the first $1,000/month (1% above), and Premium/Metal 6% on the first $2,000/month (1% above). Crucially, cashback is USD-denominated but paid in the TRIA token, whose value fluctuates — TRIA launched Feb 3, 2026 at $0.0158 and has been volatile, so realised value can be well below the headline. Vesting also applies (roughly 20% upfront, a cliff, then linear vesting). Season 1 rewards were paid in USDT, but token-based payouts and a disappointing airdrop drew community criticism. Treat the effective rate as closer to ~2% unless TRIA appreciates.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Virtual | $25 one-time fee | 1.5% (first $100/mo, then 0.5%) | ~$1.50/mo at cap |
| Signature | $109 one-time fee | 4.5% (first $1,000/mo, then 1%) | ~$45/mo at cap |
| Premium / Metal | $250 one-time fee | 6% (first $2,000/mo, then 1%) | ~$120/mo at cap |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $Not specified |
| Card issuance | $25 |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0% (Tria) 1% Visa |
| ATM withdrawals | Not specified |
How to get the Tria Card
- 1. Download the Tria app (iOS or Android) or go to app.tria.so.
- 2. Sign up with your Google account or Apple ID (a self-custodial TSS wallet is created for you).
- 3. Choose a tier, Virtual ($25), Signature ($109), or Metal ($250), and pay the one-time fee in crypto or by card.
- 4. Complete KYC via Sumsub (government ID + selfie liveness check).
- 5. Top up your wallet with any of 1,000+ supported tokens.
- 6. Activate your virtual card and add it to Apple Pay or Google Pay; order the physical card on higher tiers.
Pros & cons
Pros
- Self-custodial, assets stay in your TSS wallet until the moment you pay
- No seed phrase to manage; sign in with Google or Apple ID
- Supports 1,000+ tokens across multiple chains for top-ups
- Headline cashback up to 6% and up to 15% APY on idle balances
- 0% Tria conversion and top-up fees (promotional)
- Apple Pay and Google Pay supported; 130M+ Visa merchants in 150+ countries
- High daily spend limits and Visa purchase/price protection
Cons
- Cashback is paid in the volatile TRIA token, not cash, and vests over time
- Since Season 3, top cashback rates apply only up to a monthly spend cap
- Card fees are one-time but non-refundable, and are charged before KYC
- Sources conflict on FX fees (0% claimed vs. up to 3% reported)
- Not available to US residents (disputed by one source) and several other countries
- Early-stage product; a disappointing Season 1 airdrop hurt community trust
Is It Worth It?
Best for multi-chain crypto holders who treat self-custody as non-negotiable and want to spend from a diverse token portfolio without moving funds to an exchange. Strong for users comfortable with token-denominated, vesting rewards and who value the up-to-15% APY on idle balances. Less suitable for anyone wanting stable USD cashback, US residents, or those in the excluded countries.
Frequently asked questions
Does the Tria Card offer cashback?
Yes — up to 6% on higher tiers, but it's paid in the volatile TRIA token and, since Season 3, only up to a monthly spend cap before the rate drops. Effective value is often closer to ~2%.
Is the Tria Card available in my country?
It's in 150+ countries, but not the US (per most sources), Russia, Turkey, India, Vietnam, Israel, Ukraine, or OFAC-sanctioned regions. Confirm in the app before paying, as the fee is non-refundable.
Does the Tria Card require KYC?
Yes — government ID plus a selfie liveness check via Sumsub. Note KYC happens after the non-refundable card fee.
Is the Tria Card custodial or self-custodial?
Non-custodial. Your crypto stays in your own TSS smart-account wallet and is only converted at the point of sale.
What network does the Tria Card run on?
Visa (accepted at 130M+ merchants), with Apple Pay and Google Pay support. The issuer of record is Nimbus, LLC; Tria is the technology provider.
How is cashback paid?
In TRIA tokens, USD-denominated but variable in value, with an upfront portion, a cliff, then linear vesting.
