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Kolo Card vs Tria Card

Kolo Card

Crypto native

5.9
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Tria Card

Crypto native

7.2
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Verdict

  • Tria Card scores higher overall (7.2 vs 5.9 out of 10).
  • Tria Card is clearly stronger on: Cashback & rewards.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Kolo Card is a good fit for

  • People who want to keep control of their keys
  • 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: 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
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Review & sourcesKolo Card vs ether.fi CashTria Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKolo CardTria Card
Fees10091
Cashback & rewards844
Availability––
FX & international–100
Product features7070
Custody & security8080
Credit & financing–75
Limits & ATM–71
Transparency10093
Best for Cashback4.26.2
Best for Traveln/a8.0
Best for Self-Custody6.97.8
Best for DeFi Users6.37.4
Best for Stablecoins6.6n/a
Best for High Spenders4.46.9
Best for Low Fees8.09.1
Best for Beginners7.47.4
Best Crypto Credit Cardn/a7.5

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

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Since 1 July 2026: Kolo holds one key share and never assembles the full private key

Self-custodyShow source

Card issuer / program manager

No data yet
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source

International card terms

Tiers / plans

No data yet
Lite · Pro · MaxShow source

Fees

Physical card fee

No data yet
$109Conditions apply: tap or hover for detailsShow source

Plastic card; Metal card 250 USD

Virtual card fee

No data yet
$25Conditions apply: tap or hover for detailsShow source

Virtual card; Plastic 109 USD, Metal 250 USD

FX fee

No data yet
0%Show source

Crypto conversion fee

0%Conditions apply: tap or hover for detailsShow source

0% markup on USDT, USDC and EURC

No data yet

Top-up fee

No data yet
FreeShow source

ATM fee

No data yet
$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

No data yet
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

No data yet
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

2%Conditions apply: tap or hover for detailsShow source

Promotional programme that Kolo may change or end at any time

6%Conditions apply: tap or hover for detailsShow source

Premium tier, headline rate, monthly spend caps apply

Cashback paid in

BTCShow source
USDT on ArbitrumShow source

Cashback type

CryptoShow source
StablecoinShow source

Cashback-eligible spend cap

No data yet
$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

Credited only after the purchase has cleared ('Accrued' then 'Paid') · Kolo may modify, suspend or end the Cashback Program 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

Credit & financing

Credit line

No data yet
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Max loan-to-value

No data yet
100%Conditions apply: tap or hover for detailsShow source

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

Interest (APR)

No data yet
0%Show source

Interest notes

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

Grace period

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

Repayment

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

Liquidation risk

No data yet
YesShow source

Features

Apple Pay

YesShow source
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

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

Pro (plastic) and Max (metal) tiers only

Virtual card

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

Lite tier is virtual-only

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesShow source
No data yet

Spendable assets

BTC · ETH · LTC · USDT · USDC · EURCShow source
1,000+ tokens accepted for fundingShow source

Blockchains

No data yet
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Supported blockchains for collateral; more may be added

Limits

ATM limit

No data yet
$750Conditions apply: tap or hover for detailsShow source

Per transaction; maximum 3 withdrawals per 24 hours

Annual cost at 1,500 EUR/month

Kolo Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • 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

More Kolo Card comparisons

More Tria Card comparisons