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CoinZoom Visa Card vs Tria Card

CoinZoom Visa Card

Crypto native

6.3
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Tria Card

Crypto native

7.2
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Verdict

  • Tria Card scores higher overall (7.2 vs 6.3 out of 10).
  • CoinZoom Visa Card is clearly stronger on: Limits & ATM.
  • Tria Card is clearly stronger on: Cashback & rewards, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

CoinZoom Visa Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Limits & ATM

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, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesCoinZoom Visa Card vs ether.fi CashTria Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardTria Card
Fees8291
Cashback & rewards1844
Availability––
FX & international100100
Product features7070
Custody & security7580
Credit & financing3075
Limits & ATM10071
Transparency9393
Best for Cashback4.86.2
Best for Travel8.18.0
Best for Self-Custodyn/a7.8
Best for DeFi Users6.07.4
Best for Stablecoins7.2n/a
Best for High Spenders5.66.9
Best for Low Fees9.19.1
Best for Beginners6.97.4
Best Crypto Credit Cardn/a7.5

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

Debit cardShow source
Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends assets held in the CoinZoom wallet

Self-custodyShow source

Card issuer / program manager

No data yet
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source

International card terms

Tiers / plans

Non-Prime · Silver · Gold · Diamond · BlackConditions apply: tap or hover for detailsShow source

Black (labelled "Most rewards") is listed right after Diamond (quote kept under ~200 characters). Tiers unlocked by ZOOM holdings; Prime membership starts at 10,000 ZOOM. Per-tier details (reward rates, ZOOM amounts) are not in the page text ("Loading tier data")

Lite · Pro · MaxShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

On every tier

No data yet

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

Standard shipping for Non-Prime ($12 expedited); free from Silver

$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

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Card replacement listed as free under CoinZoom Visa Card fees

No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Network conversion rates may apply

0%Show source

Crypto conversion fee

1.49%Conditions apply: tap or hover for detailsShow source

Crypto liquidation when spending crypto

No data yet

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

ACH and RTP free; debit/credit card and Apple/Google Pay deposits 3.99%; wire $12

FreeShow source

ATM fee

FreeConditions apply: tap or hover for detailsShow source

No CoinZoom fee, domestic and international; ATM operators may charge

$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

Other fees & markups

Virtual card reissuance 1,000 ZOOM · Chargebacks $100 · Card declined (insufficient funds) $0.50Conditions apply: tap or hover for detailsShow source

Listed under CoinZoom Visa Card fees

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

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

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

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

6%Conditions apply: tap or hover for detailsShow source

Premium tier, headline rate, monthly spend caps apply

Cashback paid in

ZOOMShow source
USDT on ArbitrumShow source

Cashback type

Platform tokenShow source
StablecoinShow source

Cashback-eligible spend cap

No data yet
$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

Higher reward tiers (CoinZoom Prime) require holding at least 10,000 ZOOM; higher tiers need larger ZOOM holdings, with no annual resetConditions apply: tap or hover for detailsShow source

Page example: spending $500 a month for a year earns $120 in free crypto on a Gold Card and $300 on a Black card

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

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

No data yet

Staking asset

ZOOMShow source
No data yet

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Max loan-to-value

No data yet
100%Conditions apply: tap or hover for detailsShow source

Spending limit equals USD market value of collateral (1:1)

Interest (APR)

No data yet
0%Show source

Interest notes

No data yet
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source

Grace period

No data yet
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source

Repayment

No data yet
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source

Liquidation risk

No data yet
YesShow source

Spend own balance directly

YesShow source
No data yet

Availability

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

No data yet

Features

Apple Pay

No data yet
YesConditions apply: tap or hover for detailsShow source

Where supported

Google Pay

No data yet
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

Spend stablecoins

YesShow source
No data yet

Spendable assets

No data yet
1,000+ tokens accepted for fundingShow source

Blockchains

No data yet
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Supported blockchains for collateral; more may be added

Limits

ATM limit

$200Conditions apply: tap or hover for detailsShow source

Per day, Non-Prime

$750Conditions apply: tap or hover for detailsShow source

Per transaction; maximum 3 withdrawals per 24 hours

Spending limit

$200Conditions apply: tap or hover for detailsShow source

Daily POS limit, Non-Prime; Silver $250, Gold $2,500, Diamond $500, Black $250 (as stated on page)

No data yet

Security & custody

Regulation / licences

FinCEN MSB · Licensed money transmitter in applicable jurisdictionsConditions apply: tap or hover for detailsShow source

Stated for CoinZoom, Inc. in the page footer

No data yet

Annual cost at 1,500 EUR/month

CoinZoom Visa Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

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

More CoinZoom Visa Card comparisons

More Tria Card comparisons