Bitrefill Card vs Tria Card
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (7.2 vs 6.7 out of 10).
- Tria Card is clearly stronger on: Cashback & rewards, Custody & security, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitrefill Card is a good fit for
- No specific audience can be derived from the published data yet.
Tria Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Cashback & rewards, Custody & security, Credit & financing
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitrefill Card | Tria Card |
|---|---|---|
| Fees | 100 | 91 |
| Cashback & rewards | 24 | 44 |
| Availability | 97 | – |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | – | 71 |
| Transparency | 100 | 93 |
| Best for Cashback | 5.3 | 6.2 |
| Best for Travel | 6.4 | 8.0 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.0 | 7.4 |
| Best for High Spenders | 4.8 | 6.9 |
| Best for Low Fees | 8.0 | 9.1 |
| Best for Beginners | 8.1 | 7.4 |
| Best Crypto Credit Card | n/a | 7.5 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid cardConditions apply: tap or hover for detailsShow source
Funded by crypto deposits converted to euros
Crypto-backed creditShow source
Network
VisaShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Crypto stays in your own wallet until deposited; card balance in euros held by the card partner
Self-custodyShow source
Card issuer / program manager
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source
International card terms
Tiers / plans
Lite · Pro · MaxShow source
Fees
Monthly fee
FreeShow source
Physical card fee
FreeShow source
$109Conditions apply: tap or hover for detailsShow source
Plastic card; Metal card 250 USD
Virtual card fee
FreeShow source
$25Conditions apply: tap or hover for detailsShow source
Virtual card; Plastic 109 USD, Metal 250 USD
FX fee
0%Show source
Top-up fee
FreeShow source
ATM fee
$1 + 1%Conditions apply: tap or hover for detailsShow source
$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
Other fees & markups
FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosureConditions apply: tap or hover for detailsShow source
Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit
1.5%Conditions apply: tap or hover for detailsShow source
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Max cashback
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
6%Conditions apply: tap or hover for detailsShow source
Premium tier, headline rate, monthly spend caps apply
Cashback paid in
EUR store credit on BitrefillShow source
USDT on ArbitrumShow source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
StablecoinShow source
Cashback-eligible spend cap
$100/monthConditions apply: tap or hover for detailsShow source
Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st
Cashback conditions
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
Cashback is a membership benefit; it stops on new transactions if the membership is not renewedConditions apply: tap or hover for detailsShow source
Pro $109/year, Max $250/year standard renewal pricing
Reward exclusions
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Credit & financing
Credit line
NoShow source
YesShow source
Credit type
Crypto-backed creditShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Spending limit equals USD market value of collateral (1:1)
Interest (APR)
0%Show source
Interest notes
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
Grace period
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
Repayment
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
Liquidation risk
YesShow source
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source
Not for US or Russian citizens regardless of residency
Account / spend currencies
EURShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Where supported
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Pro (plastic) and Max (metal) tiers only
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Lite tier is virtual-only
ATM withdrawals
YesShow source
YesShow source
Spendable assets
1,000+ tokens accepted for fundingShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Supported blockchains for collateral; more may be added
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
Per transaction; maximum 3 withdrawals per 24 hours
Annual cost at 1,500 EUR/month
Bitrefill Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Tria Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+16 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers