SafePal Mastercard vs Tria Card
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (7.2 vs 6.5 out of 10).
- Tria Card is clearly stronger on: FX & international, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
SafePal Mastercard is a good fit for
- Stablecoin holders
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, 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 | SafePal Mastercard | Tria Card |
|---|---|---|
| Fees | 100 | 91 |
| Cashback & rewards | – | 44 |
| Availability | – | – |
| FX & international | 60 | 100 |
| Product features | 70 | 70 |
| Custody & security | – | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | – | 71 |
| Transparency | 100 | 93 |
| Best for Cashback | n/a | 6.2 |
| Best for Travel | 6.6 | 8.0 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.0 | 7.4 |
| Best for Stablecoins | 7.2 | n/a |
| Best for High Spenders | 6.1 | 6.9 |
| Best for Low Fees | 8.3 | 9.1 |
| Best for Beginners | 7.5 | 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
Debit cardShow source
Crypto-backed creditShow source
Network
MastercardShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Fiat24 (Swiss IBAN account and card)Show 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
Monthly 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
1%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
0%Show source
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
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
Transfers to external banks; other banks may charge
Other fees & markups
Refund processing fee 1 USD / 1 EUR / 1 CHF per refund · Gas fees on Arbitrum · Spread on crypto swapsShow 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
1.5%Conditions apply: tap or hover for detailsShow source
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Max cashback
6%Conditions apply: tap or hover for detailsShow source
Premium tier, headline rate, monthly spend caps apply
Cashback paid in
USDT on ArbitrumShow source
Cashback type
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
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
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
Account / spend currencies
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN via Fiat24
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
YesShow source
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
Crypto is topped up as USDC
Spendable assets
1,000+ tokens accepted for fundingShow source
Blockchains
ArbitrumShow source
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
Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
Annual cost at 1,500 EUR/month
SafePal Mastercard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- 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