Coinbase One Card vs Tria Card
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (7.1 vs 6.0 out of 10).
- Tria Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase One Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
- 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: Custody & security
Score by criterion
| Criterion | Coinbase One Card | Tria Card |
|---|---|---|
| Fees | 91 | 91 |
| Cashback & rewards | 47 | 44 |
| Availability | 3 | – |
| FX & international | 100 | 100 |
| Product features | – | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 70 | 75 |
| Limits & ATM | – | 71 |
| Transparency | 93 | 86 |
| Best for Cashback | 5.5 | 6.1 |
| Best for Travel | 7.1 | 8.0 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.6 | 7.4 |
| Best for High Spenders | 6.7 | 6.9 |
| Best for Low Fees | 8.8 | 9.0 |
| Best for Beginners | 6.1 | 7.3 |
| Best Crypto Credit Card | 7.1 | 7.4 |
Product
Product status
ActiveShow source
Product status: Active
Source: Coinbase One Card
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%
Card type
Credit cardShow source
Card type: Credit card
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto-backed creditShow source
Card type: Crypto-backed credit
Source states (paraphrased): permits collateral-backed spending accounts involving digital assets
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Network
American ExpressShow source
Network: American Express
Source states (paraphrased): PROVIDER American Express®
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
VisaShow source
Network: Visa
Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Card issuer / program manager
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
Card issuer / program manager: First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)
Source states (paraphrased): Coinbase One Card is offered through Coinbase, Inc. and Cardless, Inc. Cards issued by First Electronic Bank.
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)*Show source
Card issuer / program manager: Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)
International card terms
Source states (paraphrased): Nimbus, LLC a Delaware U.S. corporation
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
International card terms
Tiers / plans
Lite · Pro · MaxShow source
Tiers / plans: Lite · Pro · Max
Source states (paraphrased): Tria offers three tiers to match how you use your crypto.
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Fees
Annual fee
$49.99/year*Show source
Annual fee: $49.99/year
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
Source states (paraphrased): Exclusively available to Coinbase One members starting with the $49.99 annual plan; no annual fee for members.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
Physical card fee
$109*Show source
Physical card fee: $109
Plastic card; Metal card 250 USD
Source states (paraphrased): Plastic Card: $109
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Plastic card; Metal card 250 USD
Virtual card fee
$25*Show source
Virtual card fee: $25
Virtual card; Plastic 109 USD, Metal 250 USD
Source states (paraphrased): Virtual Card: $25
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Virtual card; Plastic 109 USD, Metal 250 USD
FX fee
0%Show source
FX fee: 0%
Source states (paraphrased): No foreign transaction fees.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
ATM fee
$1 + 1%*Show source
ATM fee: $1 + 1%
$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply
Source states (paraphrased): Base Fee: $1.00 Percentage Fee: 1% of the withdrawal amount
Source: ATM Withdrawals - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply
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 disclosure*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 disclosure
Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees
Source states (paraphrased): Foreign Exchange ("FX"): Up to 3%
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 60%
Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees
Cashback & rewards
Base cashback
2%*Show source
Base cashback: 2%
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
Source states (paraphrased): Bitcoin back rates are tiered at 2%, 2.5%, 3%, and 4%, based on your Assets on Coinbase (AOC)
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Max cashback
4%*Show source
Max cashback: 4%
Up to; tier depends on average Coinbase balance
Source states (paraphrased): Up to 4% bitcoin back on every purchase.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; tier depends on average Coinbase balance
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Premium tier, headline rate, monthly spend caps apply
Cashback paid in
BTCShow source
Cashback paid in: BTC
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
USDT on ArbitrumShow source
Cashback paid in: USDT on Arbitrum
Source states (paraphrased): Cashback is paid in USDT on Arbitrum via Merkle distribution.
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
StablecoinShow source
Cashback type: Stablecoin
Source states (paraphrased): Cashback is paid in USDT on Arbitrum via Merkle distribution.
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Cashback-eligible spend cap
$100/month*Show source
Cashback-eligible spend cap: $100/month
Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st
Source states (paraphrased): Virtual earns 1.5% on the first $100/month, then 0.5% after the monthly limit.
Source: Season 3 Membership and Cashback Updates
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st
Cashback conditions
Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment ChargeShow source
Cashback conditions: Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment Charge
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback is a membership benefit; it stops on new transactions if the membership is not renewed*Show source
Cashback conditions: Cashback is a membership benefit; it stops on new transactions if the membership is not renewed
Pro $109/year, Max $250/year standard renewal pricing
Source states (paraphrased): Membership benefits, including cashback on new transactions, will no longer apply.
Source: Tria Card Membership Renewal FAQ - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Pro $109/year, Max $250/year standard renewal pricing
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Subject to credit approval
Source states (paraphrased): Eligibility depends on creditworthiness; approval shows a credit limit.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Subject to credit approval
YesShow source
Credit line: Yes
Source states (paraphrased): The Issuer establishes your credit limit.
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Credit type
Revolving creditShow source
Credit type: Revolving credit
Source states (paraphrased): Rewards terms refer to the minimum payment due.
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): permits collateral-backed spending accounts involving digital assets
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Max loan-to-value
100%*Show source
Max loan-to-value: 100%
Spending limit equals USD market value of collateral (1:1)
Source states (paraphrased): post Collateral that has Market Value in United States Dollars (“ USD ”) equal to each dollar that is charged to all of your Cards
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 70%
Spending limit equals USD market value of collateral (1:1)
Interest (APR)
0%Show source
Interest (APR): 0%
Source states (paraphrased): Your Card is currently 0% interest on all purchases.
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Interest notes
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
Interest notes: Currently 0% on all purchases; issuer may introduce interest for new purchases in the future
Source states (paraphrased): Issuer reserves the right to implement interest in the future, for new purchases.
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Grace period
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
Grace period: Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)
Source states (paraphrased): has not been paid in full by you within one (1) calendar day
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Repayment
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
Repayment: Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaid
Source states (paraphrased): Balances in your Linked Wallet or Additional Wallet may be used as a source of funds for repayment for any spending on your Card
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Liquidation risk
YesShow source
Liquidation risk: Yes
Source states (paraphrased): you may be subject to a Liquidation Event
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Availability
Available in
United States*Show source
Available in: United States
Excluding US territories
Source states (paraphrased): Available only within the United States, excluding U.S. territories.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Excluding US territories
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
Where supported
Source states (paraphrased): Connect your card to Apple Pay or Google Pay
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Where supported
Google Pay
Yes*Show source
Google Pay: Yes
Where supported
Source states (paraphrased): Connect your card to Apple Pay or Google Pay
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Where supported
Physical card
Yes*Show source
Physical card: Yes
Stainless steel card
Source states (paraphrased): MATERIAL Stainless steel WEIGHT 17 grams PROVIDER American Express®
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Stainless steel card
Yes*Show source
Physical card: Yes
Pro (plastic) and Max (metal) tiers only
Source states (paraphrased): Choose between Lite or physical card options.
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Pro (plastic) and Max (metal) tiers only
Virtual card
Yes*Show source
Virtual card: Yes
Lite tier is virtual-only
Source states (paraphrased): Choose between Lite or physical card options.
Source: What are Tria Cards? - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Lite tier is virtual-only
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): When withdrawing cash, your transaction is subject to two different sets of limits
Source: ATM Withdrawals - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Source states (paraphrased): Worldwide Car Rental Loss & Damage Insurance
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Purchase protection
Yes*Show source
Purchase protection: Yes
Amex network benefits: retail protection, extended warranty, return protection
Source states (paraphrased): Retail Protection Extended Warranty Return Protection
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Amex network benefits: retail protection, extended warranty, return protection
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
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Supported blockchains for collateral; more may be added
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain
Source: Card Terms International - Tria Docs
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Supported blockchains for collateral; more may be added
Limits
ATM limit
$750*Show source
ATM limit: $750
Per transaction; maximum 3 withdrawals per 24 hours
Source states (paraphrased): Per Transaction: Maximum of $750 .
Source: ATM Withdrawals - Tria Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Per transaction; maximum 3 withdrawals per 24 hours
Annual cost at 1,500 EUR/month
Coinbase One Card
- Annual & monthly fees−45 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- 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