Tangem Pay vs Tria Card
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (6.9 vs 4.7 out of 10).
- Tria Card is clearly stronger on: Cashback & rewards, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Tangem Pay is a good fit for
- Stablecoin holders
Tria Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
Score by criterion
| Criterion | Tangem Pay | Tria Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 24 | 44 |
| Availability | 3 | – |
| FX & international | 40 | 100 |
| Product features | – | – |
| Custody & security | – | 80 |
| Credit & financing | – | – |
| Limits & ATM | 20 | – |
| Transparency | 79 | 86 |
| Best for Cashback | 3.9 | 6.0 |
| Best for Travel | 4.4 | 7.6 |
| Best for Self-Custody | n/a | 7.7 |
| Best for DeFi Users | n/a | 7.0 |
| Best for Stablecoins | 5.8 | n/a |
| Best for High Spenders | 4.4 | 6.5 |
| Best for Low Fees | 7.0 | 9.0 |
| Best for Beginners | 5.6 | 7.0 |
Product
Product status
ActiveShow source
Product status: Active
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
VisaShow source
Network: Visa
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Funds stay in the user's own wallet until the moment of purchase; Tria never takes custody.
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
Rain (separate card program)Show source
Card issuer / program manager: Rain (separate card program)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Basic (free) · Plus ($29.99/month, waitlist) · PrestigeShow source
Tiers / plans: Basic (free) · Plus ($29.99/month, waitlist) · Prestige
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual · Signature · PremiumShow source
Tiers / plans: Virtual · Signature · Premium
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; Plus $29.99/month
FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
0%Show source
FX fee: 0%
Source states (paraphrased): 0% FX fees.
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): No deposit fees.
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
ATM fee
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; 2% on Plus
Other fees & markups
Polygon gas when topping up with cryptoShow source
Other fees & markups: Polygon gas when topping up with crypto
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; minimum $30 per transaction; monthly cap applies
1.5%*Show source
Base cashback: 1.5%
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Max cashback
2%*Show source
Max cashback: 2%
Plus tier ($29.99/month)
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus tier ($29.99/month)
6%*Show source
Max cashback: 6%
Premium tier, headline rate, monthly spend caps apply
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Premium tier, headline rate, monthly spend caps apply
Cashback paid in
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United States*Show source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Features
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spendable assets
1,000+ tokens accepted for fundingShow source
Spendable assets: 1,000+ tokens accepted for funding
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
PolygonShow source
Blockchains: Polygon
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Tria Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers