Verdict
- Tria Card scores higher overall (7.2 vs 6.4 out of 10).
- Tria Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lava Card is a good fit for
- Stablecoin holders
- Frequent travellers
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
★ 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 | Lava Card | Tria Card |
|---|---|---|
| Fees | 100 | 91 |
| Cashback & rewards | 33 | 44 |
| Availability | – | – |
| FX & international | 100 | 100 |
| Product features | – | 70 |
| Custody & security | – | 80 |
| Credit & financing | – | 75 |
| Limits & ATM | – | 71 |
| Transparency | 100 | 93 |
| Best for Cashback | 5.4 | 6.2 |
| Best for Travel | 7.6 | 8.0 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | n/a | 7.4 |
| Best for Stablecoins | 7.4 | n/a |
| Best for High Spenders | 6.1 | 6.9 |
| Best for Low Fees | 9.3 | 9.1 |
| Best for Beginners | 6.8 | 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
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Crypto-backed creditShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Card program by Rain with a partner issuerShow source
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
Annual fee
FreeShow source
Physical card fee
$109Conditions apply: tap or hover for detailsShow source
Plastic card; Metal card 250 USD
Virtual card fee
$25Conditions apply: tap or hover for detailsShow source
Virtual card; Plastic 109 USD, Metal 250 USD
FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
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
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
Users based outside the US; 3% for US users
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
At Lava merchant partners, worldwide
6%Conditions apply: tap or hover for detailsShow source
Premium tier, headline rate, monthly spend caps apply
Cashback paid in
BTCShow source
USDT on ArbitrumShow source
Cashback type
CryptoShow source
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
3% back in bitcoin for US-based users, 1% outside the US · 5% at Lava merchant partners · Redeemable from 100,000 sats (0.001 BTC) · No rewards on fines, taxes, insurance, rentals and schoolsShow 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
Credit & financing
Credit line
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
Spend own balance directly
YesShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Google Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
Physical card
YesConditions apply: tap or hover for detailsShow source
Pro (plastic) and Max (metal) tiers only
Virtual card
YesConditions apply: tap or hover for detailsShow source
Lite tier is virtual-only
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
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
Lava Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- 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