Tria Card vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (7.1 vs 5.6 out of 10).
- Tria Card is clearly stronger on: FX & international, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
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: FX & international, Credit & financing
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Score by criterion
| Criterion | Tria Card | Uphold Debit Card (US) |
|---|---|---|
| Fees | 91 | 99 |
| Cashback & rewards | 44 | 50 |
| Availability | – | 3 |
| FX & international | 100 | 40 |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | 75 | 30 |
| Limits & ATM | 71 | 74 |
| Transparency | 86 | 86 |
| Best for Cashback | 6.1 | 5.6 |
| Best for Travel | 8.0 | 5.7 |
| Best for Self-Custody | 7.8 | n/a |
| Best for DeFi Users | 7.4 | 5.8 |
| Best for Stablecoins | n/a | 6.6 |
| Best for High Spenders | 6.9 | 5.9 |
| Best for Low Fees | 9.0 | 7.8 |
| Best for Beginners | 7.3 | 6.5 |
| Best Crypto Credit Card | 7.4 | n/a |
Product
Product status
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%
ActiveShow source
Product status: Active
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
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%
Debit cardShow source
Card type: Debit card
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
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%
VisaShow source
Network: Visa
Source states (paraphrased): Use anywhere Visa is accepted.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Card issuer / program manager
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%
Essential (no annual fee) · Elite ($99.99/year)Show source
Tiers / plans: Essential (no annual fee) · Elite ($99.99/year)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
Free*Show source
Annual fee: Free
Essential; Elite $99.99/year
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $99.99/year
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
$4.99*Show source
Physical card fee: $4.99
Essential
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential
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): 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%
1.5%*Show source
FX fee: 1.5%
Essential; Elite has no foreign transaction fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no foreign transaction fees
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
$2.95*Show source
ATM fee: $2.95
Essential; Elite has no ATM fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no ATM fees
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
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)
2%*Show source
Base cashback: 2%
Essential, paid in XRP
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential, paid in XRP
Max cashback
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
4%*Show source
Max cashback: 4%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Cashback paid in
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%
XRP (or other crypto at Uphold's discretion)Show source
Cashback paid in: XRP (or other crypto at Uphold's discretion)
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
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%
CryptoShow source
Cashback type: Crypto
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Interest on balance
3%*Show source
Interest on balance: 3%
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Source states (paraphrased): earn rewards of up to 3% APY on stablecoin balances
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
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
Max cashback per month
$120/month*Show source
Max cashback per month: $120/month
Essential; Elite $300/month
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $300/month
Cashback conditions
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
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%
NoShow source
Credit line: No
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit type
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
Not in Louisiana, New York or US territories
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not in Louisiana, New York or 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
Yes*Show source
Apple Pay: Yes
When available
Source states (paraphrased): Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available).
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
When available
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
Yes*Show source
Google Pay: Yes
When available
Source states (paraphrased): Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available).
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
When available
Physical 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
Yes*Show source
Physical card: Yes
Essential: plastic $4.99; Elite: metal $0
Source states (paraphrased): Physical Card $0 (Metal card) $4.99 (Plastic card)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential: plastic $4.99; Elite: metal $0
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
Yes*Show source
Virtual card: Yes
Essential and Elite: $0
Source states (paraphrased): Virtual Card $0 $0
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential and Elite: $0
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%
Yes*Show source
ATM withdrawals: Yes
Essential: $2.95 per withdrawal; Elite: $0
Source states (paraphrased): ATM Withdrawal Fee $0 $2.95
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential: $2.95 per withdrawal; Elite: $0
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Funding your card with stablecoins. Use USD-pegged stablecoins to help keep taxes low.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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
Security & custody
Regulation / licences
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source
Regulation / licences: USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bank
Source states (paraphrased): are held at Cross River Bank, Member FDIC, and are insured up to $250,000. Uphold is not an FDIC-insured bank.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Annual cost at 1,500 EUR/month
Tria Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+16 EUR
- Net annual valuenot enough data
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashback+360 EUR
- Net annual value274 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers