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Morse Card vs Tria Card

Morse Card

Crypto native

7.2
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Tria Card

Crypto native

7.2
Get the card

Verdict

  • Morse Card and Tria Card have the same overall score (7.2/10).
  • Morse Card is clearly stronger on: Custody & security.
  • Tria Card is clearly stronger on: Product features.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Morse Card is a good fit for

  • People who want to keep control of their keys
  • Frequent travellers

Stronger on: Custody & security

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: 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 & sourcesMorse Card vs ether.fi CashTria Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMorse CardTria Card
Fees–90
Cashback & rewards–44
Availability100–
FX & international100100
Product features7080
Custody & security9580
Credit & financing–75
Limits & ATM–71
Transparency10093
Best for Cashbackn/a6.2
Best for Travel7.78.1
Best for Self-Custody8.07.9
Best for DeFi Users7.17.5
Best for High Spendersn/a7.0
Best for Low Feesn/a9.0
Best for Beginners7.77.7
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

Prepaid card, Debit cardShow source
Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

Lead Bank; programme manager Bridge Ventures LLCShow 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

No data yet
$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

Physical card fee

No data yet
$109Conditions apply: tap or hover for detailsShow source

Plastic card; Metal card 250 USD

Virtual card fee

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

Limited-time promotion only

FX fee

0%Conditions apply: tap or hover for detailsShow source

Stated for transfers/exchange at the real exchange rate

0%Show source

Top-up fee

No data yet
FreeShow source

ATM fee

No data yet
$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

No data yet
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

No data yet
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

No data yet
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

No data yet
StablecoinShow source

Interest on balance

3%Conditions apply: tap or hover for detailsShow source

Earn Wallet; shown for US and Mexico

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

No data yet
Cashback requires an active membership; lapses if not renewedShow source

Credit & financing

Credit line

No data yet
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

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

150+ countries

No data yet

Account / spend currencies

USD · EUR · MXN · BRLConditions apply: tap or hover for detailsShow source

Account details for receiving

No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Account details for receiving payments

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

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

Pro (plastic) and Max (metal) tiers only

Virtual card

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

Lite tier is virtual-only

ATM withdrawals

No data yet
YesShow source

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

BTC · ETH · USDC · USDTConditions apply: tap or hover for detailsShow source

Crypto wallet deposits; spending from Morse balance

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

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

Per transaction; maximum 3 withdrawals per 24 hours

Security & custody

Regulation / licences

US Money Services Business · MiCA CASP authorised by AFM Netherlands (41000005) · NMLS ID 2639252Show source
No data yet

Annual cost at 1,500 EUR/month

Morse Card

  • Annual & monthly feesunknown
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

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 Morse Card comparisons

    More Tria Card comparisons