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KOSH Global Card vs Tria Card

KOSH Global Card

Crypto native

7.3
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Tria Card

Crypto native

7.2
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Verdict

  • KOSH Global Card scores higher overall (7.3 vs 7.2 out of 10).
  • Tria Card is clearly stronger on: FX & international, Product features.
  • For 1,500 EUR/month of spend, KOSH Global Card comes out about 181 EUR a year ahead on base-tier terms.

KOSH Global Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

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: FX & international, Product features

★ 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 & sourcesKOSH Global Card vs ether.fi CashTria Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKOSH Global CardTria Card
Fees9690
Cashback & rewards4944
Availability100–
FX & international20100
Product features7080
Custody & security8080
Credit & financing7575
Limits & ATM7171
Transparency10093
Best for Cashback6.66.2
Best for Travel5.98.1
Best for Self-Custody7.27.9
Best for DeFi Users7.37.5
Best for Stablecoins6.7n/a
Best for High Spenders6.07.0
Best for Low Fees7.49.0
Best for Beginners8.57.7
Best Crypto Credit Card7.77.5

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

Crypto-backed creditShow source
Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source

International card terms

Tiers / plans

No data yet
Lite · Pro · MaxShow source

Fees

Annual fee

$10/yearShow source
$109/yearConditions apply: tap or hover for detailsShow source

Pro tier standard renewal; Max $250/year; Lite listed $20/year but page also says Lite renews automatically at $0

Monthly fee

FreeShow source
No data yet

Physical card fee

$100Conditions apply: tap or hover for detailsShow source

Fee table accurate as of September 1, 2025

$109Conditions apply: tap or hover for detailsShow source

Plastic card; Metal card 250 USD

Virtual card fee

$10Show source
FreeConditions apply: tap or hover for detailsShow source

Limited-time promotion only

FX fee

2%Conditions apply: tap or hover for detailsShow source

Plus US $0.30 per international transaction; product page advertises 1.5% FX

0%Show source

Top-up fee

No data yet
FreeShow source

ATM fee

$1 + 1%Conditions apply: tap or hover for detailsShow source

Plus FX if applicable; $1 balance enquiry and $1 decline fees

$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

International transaction fee US $0.30 + 2% FX · ATM balance enquiry US $1 · ATM decline US $1 · Copying fee US $10 · Late payment US $30 first, US $40 subsequentShow source
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

Derived: 1 point per $1 spent, 100 points = $1 redemption value; points not cash

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

Hotel bookings only; rates subject to rewards program terms

6%Conditions apply: tap or hover for detailsShow source

Premium tier, headline rate, monthly spend caps apply

Cashback paid in

No data yet
USDT on ArbitrumShow source

Cashback type

PointsShow source
StablecoinShow source

Interest on balance

6%Conditions apply: tap or hover for detailsShow source

Page states 4 to 6% here but "up to 4%" in footer; savings product, not card

No data yet

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

Multipliers apply only up to a monthly points-eligible spend limit shown in app · Cashback credited as KOSH Rewards, must be claimed to card above a minimum · Rewards reversed on refunds/chargebacksShow source
Cashback requires an active membership; lapses if not renewedShow source

Reward expiry / vesting

Points: no general expiry while account open; campaign points/KOSH Rewards may expire per campaign; all rewards forfeited on account closureShow source
No data yet

Reward exclusions

Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
No data yet

Credit & financing

Credit line

YesShow source
YesShow source

Credit type

Crypto-backed creditShow source
Crypto-backed creditShow source

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Spending limit equals collateral market value (1:1)

100%Conditions apply: tap or hover for detailsShow source

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

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

Issuer reserves right to introduce interest in the future

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

Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source
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

YesShow source
YesShow source

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

Used in 90+ countries

No data yet

Not available in

United StatesConditions apply: tap or hover for detailsShow source

International terms for non-US persons; separate US terms exist

No data yet

Account / spend currencies

USDShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Virtual USD, EUR, GBP, AED and SWIFT accounts

No data yet

Features

Apple Pay

YesShow source
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

No data yet
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC and USDT balance

No data yet

Airport lounge access

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

Lite none; Pro and Max yes

Purchase protection

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

$10,000 on all tiers per table

Spendable assets

USD · USDCConditions apply: tap or hover for detailsShow source

Card collateralized by KOSH USD balance; USDC can be added

1,000+ tokens accepted for fundingShow source

Blockchains

Ethereum · Polygon · Optimism · ArbitrumShow source
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Supported blockchains for collateral; more may be added

Limits

ATM limit

No data yet
$750Conditions apply: tap or hover for detailsShow source

Per transaction; maximum 3 withdrawals per 24 hours

Annual cost at 1,500 EUR/month

KOSH Global Card

  • Annual & monthly fees−9 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs−23 EUR
  • Cashback+180 EUR
  • Net annual value76 EUR

Tria Card

  • Annual & monthly fees−98 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−23 EUR
  • Cashback+16 EUR
  • Net annual value-104 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More KOSH Global Card comparisons

    More Tria Card comparisons