SwissBorg Card vs Tria Card
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (7.2 vs 7.1 out of 10).
- Tria Card is clearly stronger on: Product features, Custody & security, Credit & financing, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
SwissBorg 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: Product features, Custody & security, Credit & financing, Limits & ATM
★ 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 | SwissBorg Card | Tria Card |
|---|---|---|
| Fees | 88 | 91 |
| Cashback & rewards | – | 44 |
| Availability | 100 | – |
| FX & international | 100 | 100 |
| Product features | 47 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 20 | 71 |
| Transparency | 100 | 93 |
| Best for Cashback | 6.5 | 6.2 |
| Best for Travel | 7.6 | 8.0 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.0 | 7.4 |
| Best for Stablecoins | 7.6 | 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
CustodialConditions apply: tap or hover for detailsShow source
Spends crypto balances held in the SwissBorg app
Self-custodyShow source
Card issuer / program manager
UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)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
FreeShow source
$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
Mastercard exchange rate; SwissBorg adds no FX fee (the crypto exchange fee still applies)
0%Show source
Crypto conversion fee
0.99%Conditions apply: tap or hover for detailsShow source
Exchange fee for every loyalty rank; a real-time market-liquidity adjustment may be added
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
Real-time market-liquidity adjustment may be applied to the conversion price · Third parties such as Apple/Google Pay, Curve or PayPal may charge additional feesShow 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
BORGShow source
USDT on ArbitrumShow source
Cashback type
Platform tokenShow 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
Cashback is a share of the 0.99% exchange fee: up to 5% (Standard) to up to 99% (Elite top 10) depending on the loyalty rank · BORG rewards are locked for a period (Paid to Trade programme) · Cashback is not guaranteed and can be changed or stopped at any timeShow 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
Reward expiry / vesting
BORG cashback is locked for a certain periodShow source
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
Available in
United Kingdom, Switzerland, Austria, Belgium, Cyprus, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, SwedenShow source
Account / spend currencies
EUR · CHF · GBPConditions apply: tap or hover for detailsShow source
Base currency set by country of residence
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Initially in Switzerland and France only
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
NoConditions apply: tap or hover for detailsShow source
May follow later
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
NoShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
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
SwissBorg Card
- Annual & monthly fees+0 EUR
- FX costs+0 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