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Krak Card vs Tria Card

Krak Card

Crypto native

7.4
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Tria Card

Crypto native

7.2
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Verdict

  • Krak Card scores higher overall (7.4 vs 7.2 out of 10).
  • Krak Card is clearly stronger on: Limits & ATM.
  • Tria Card is clearly stronger on: Cashback & rewards, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Krak Card is a good fit for

  • Frequent travellers

Stronger on: Limits & ATM

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, Credit & financing

★ 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 & sourcesKrak Card vs ether.fi CashTria Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKrak CardTria Card
Fees10091
Cashback & rewards2144
Availability93–
FX & international100100
Product features7070
Custody & security7580
Credit & financing3075
Limits & ATM10071
Transparency10093
Best for Cashback5.76.2
Best for Travel8.88.0
Best for Self-Custodyn/a7.8
Best for DeFi Users6.37.4
Best for High Spenders6.06.9
Best for Low Fees10.09.1
Best for Beginners8.17.4
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

MastercardConditions apply: tap or hover for detailsShow source

UK and EEA; the US card is a Visa

VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends the Krak account balance (e-money and crypto held by Kraken)

Self-custodyShow source

Card issuer / program manager

Monavate (UK) / UAB Monavate (EEA); e-money by Payward Ireland LimitedShow source
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source

International card terms

Tiers / plans

Starter · Lite · Pro · Elite · MaxConditions apply: tap or hover for detailsShow source

Cashback tier by 30-day average assets held

Lite · Pro · MaxShow source

Fees

Annual fee

FreeShow source
No data yet

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Plastic card; replacement €4.99

$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

Replacement fee

€4.99Conditions apply: tap or hover for detailsShow source

Plastic card; metal card replacement €60

No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

EEA/UK: Mastercard rate without markup; a variable spread applies when spending crypto. US card: 1%

0%Show source

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

Bank transfer free; debit card and Apple/Google Pay deposits €0.25 + 3.75% (UK £0.25 + 3.75%); PayPal fees vary by region. US: linked bank (ACH) free, USD/CAD SWIFT wire $3, card deposits $0.25 + 3.75%, PayPal 3.39%

FreeShow source

ATM fee

FreeConditions apply: tap or hover for detailsShow source

No Krak fee; third-party ATM fees may apply

$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

Transfer fee

FreeConditions apply: tap or hover for detailsShow source

Incoming and outgoing SEPA free (UK domestic transfers free); outgoing SWIFT: regional funding fees may apply; transfers between Krak accounts free. US: ACH in/out free

No data yet

Other fees & markups

Variable spread when spending crypto · AutoEarn fee: 30% of yield earned · Vault fee: 25% of yield earned · Small balance conversions: fixed 3% feeConditions apply: tap or hover for detailsShow source

Vault and AutoEarn fees are taken from yield; displayed APYs exclude them

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

0%Conditions apply: tap or hover for detailsShow source

Starter tier: under €200 average assets; 0.5% from €200

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

Max tier: 30-day average assets of at least €/£50,000; up to 4% boosted on travel via Krak Concierge

6%Conditions apply: tap or hover for detailsShow source

Premium tier, headline rate, monthly spend caps apply

Cashback paid in

EUR, GBP or BTCShow source
USDT on ArbitrumShow source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Or bitcoin

StablecoinShow source

Interest on balance

3.6%Conditions apply: tap or hover for detailsShow source

Up to; on eligible balances, variable

No data yet

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

Rate set by the 30-day average assets held across Krak, Kraken and Kraken Pro: 0.5% from €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000 · Metal card free from €/£50,000 average assetsShow 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

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding assets (not staking) sets the cashback tier

No data yet

Staking asset

Any assets held at Krak, Kraken and Kraken ProShow source
No data yet

Capital required for top rewards

€50,000Conditions apply: tap or hover for detailsShow source

30-day average for the 2% tier

No data yet

Credit & financing

Credit line

NoShow source
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

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

Spends directly from the Krak Everyday account balance

No data yet

Availability

Available in

European Union, United KingdomConditions apply: tap or hover for detailsShow source

Residents of the UK and the EU; a separate US card exists

No data yet

Account / spend currencies

600+ currenciesConditions apply: tap or hover for detailsShow source

Spend in more than 600 currencies

No data yet

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Google Pay

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

Where supported

Physical card

YesShow source
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

YesShow source
YesShow source

Spendable assets

No data yet
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

Security & custody

Regulation / licences

EEA: e-money by Payward Ireland Limited, regulated by the Central Bank of Ireland · EEA: card issuer UAB Monavate, licensed by the Bank of Lithuania (LB002139) · UK: card issuer Monavate Limited, FCA-authorised (FRN 901097) · UK: e-money and payment services by Payward Services Limited, FCA-authorised (FRN 1010381) · UK: Payward Ltd registered with the FCA as a cryptoasset business (FRN 928768)Conditions apply: tap or hover for detailsShow source

US: Payward Interactive, Inc. is a licensed money transmitter (NMLS #1843762) registered with FinCEN as an MSB

No data yet

Deposit protection

NoConditions apply: tap or hover for detailsShow source

EEA e-money wallet is not covered by a deposit guarantee scheme; UK: no FSCS protection; US: balances not FDIC or SIPC insured

No data yet

Annual cost at 1,500 EUR/month

Krak Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value0 EUR

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 Krak Card comparisons

More Tria Card comparisons