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Tria Card vs wavecard

Tria Card

Crypto native

7.2
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wavecard

Crypto native

7.8
Get the card

Verdict

  • wavecard scores higher overall (7.8 vs 7.2 out of 10).
  • Tria Card is clearly stronger on: Product features, Custody & security, Limits & ATM.
  • wavecard is clearly stronger on: Cashback & rewards.
  • For 1,500 EUR/month of spend, wavecard comes out about 584 EUR a year ahead on base-tier terms.

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, Limits & ATM

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards

★ 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 & sourcesTria Card vs ether.fi Cashwavecard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionTria Cardwavecard
Fees9087
Cashback & rewards4475
Availability–100
FX & international100100
Product features8056
Custody & security8060
Credit & financing75–
Limits & ATM7120
Transparency93100
Best for Cashback6.27.7
Best for Travel8.17.9
Best for Self-Custody7.9n/a
Best for DeFi Users7.56.9
Best for High Spenders7.07.3
Best for Low Fees9.08.2
Best for Beginners7.78.0
Best Crypto Credit Card7.5n/a

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

Crypto-backed creditShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source

Card funded from the user's Wave Space Crypto account held via partner Lightspark

Card issuer / program manager

Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source

International card terms

Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source

Card issued via white-label arrangement with a third-party provider

Tiers / plans

Lite · Pro · MaxShow source
No data yet

Fees

Annual fee

$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

No data yet

Monthly fee

No data yet
FreeShow source

Physical card fee

$109Conditions apply: tap or hover for detailsShow source

Plastic card; Metal card 250 USD

€29.99Conditions apply: tap or hover for detailsShow source

Tracked delivery free; express delivery €30

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Limited-time promotion only

€2.99Show source

FX fee

0%Show source
0%Show source

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Fee on card payments

Top-up fee

FreeShow source
No data yet

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

€2 + 3%Show source

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

€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow source

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)

3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

Max cashback

6%Conditions apply: tap or hover for detailsShow source

Premium tier, headline rate, monthly spend caps apply

No data yet

Cashback paid in

USDT on ArbitrumShow source
BTCShow source

Cashback type

StablecoinShow source
CryptoShow 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

No data yet

Cashback conditions

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

Credit & financing

Credit line

YesShow source
No data yet

Credit type

Crypto-backed creditShow source
No data yet

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Spending limit equals USD market value of collateral (1:1)

No data yet

Interest (APR)

0%Show source
No data yet

Interest notes

Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
No data yet

Grace period

Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
No data yet

Repayment

Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
No data yet

Liquidation risk

YesShow source
No data yet

Availability

Available in

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

Residents 18+

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Where supported

NoConditions apply: tap or hover for detailsShow source

Only via the Curve app; direct Apple Pay support coming soon

Google Pay

YesConditions apply: tap or hover for detailsShow source

Where supported

YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Pro (plastic) and Max (metal) tiers only

YesShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Lite tier is virtual-only

YesShow source

ATM withdrawals

YesShow source
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Lite none; Pro and Max yes

No data yet

Purchase protection

YesConditions apply: tap or hover for detailsShow source

$10,000 on all tiers per table

No data yet

Spendable assets

1,000+ tokens accepted for fundingShow source
BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

Blockchains

Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Supported blockchains for collateral; more may be added

Bitcoin · LightningShow source

Limits

ATM limit

$750Conditions apply: tap or hover for detailsShow source

Per transaction; maximum 3 withdrawals per 24 hours

€350Conditions apply: tap or hover for detailsShow source

Daily; monthly €3,000

Spending limit

No data yet
€10,000Conditions apply: tap or hover for detailsShow source

Daily and monthly; monthly up to €15,000 with Tier 2 KYC

Annual cost at 1,500 EUR/month

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

wavecard

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−60 EUR
  • Cashback+540 EUR
  • Net annual value480 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Tria Card comparisons

More wavecard comparisons