Tria Card vs XPlace Card
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (7.2 vs 6.6 out of 10).
- 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
XPlace Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
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
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Tria Card | XPlace Card |
|---|---|---|
| Fees | 91 | 100 |
| Cashback & rewards | 44 | 36 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | 75 | 75 |
| Limits & ATM | 71 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 6.2 | 5.6 |
| Best for Travel | 8.0 | n/a |
| Best for Self-Custody | 7.8 | 7.3 |
| Best for DeFi Users | 7.4 | 7.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 6.9 | 5.8 |
| Best for Low Fees | 9.1 | 8.0 |
| Best for Beginners | 7.4 | 7.7 |
| Best Crypto Credit Card | 7.5 | 7.6 |
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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Crypto-backed creditShow source
Debit card, Crypto-backed creditShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source
International card terms
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
Tiers / plans
Lite · Pro · MaxShow source
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
Physical card fee
$109Conditions apply: tap or hover for detailsShow source
Plastic card; Metal card 250 USD
Virtual card fee
$25Conditions apply: tap or hover for detailsShow source
Virtual card; Plastic 109 USD, Metal 250 USD
FX fee
0%Show source
Top-up fee
FreeShow source
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
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
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)
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
Max cashback
6%Conditions apply: tap or hover for detailsShow source
Premium tier, headline rate, monthly spend caps apply
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
Cashback paid in
USDT on ArbitrumShow source
USDCShow source
Cashback type
StablecoinShow source
StablecoinShow source
Interest on balance
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
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
Cashback conditions
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
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source
Credit & financing
Credit line
YesShow source
YesShow source
Credit type
Crypto-backed creditShow source
Crypto-backed creditShow source
Collateral assets
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Spending limit equals USD market value of collateral (1:1)
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
Interest (APR)
0%Show source
Interest notes
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
Grace period
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
Repayment
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
Liquidation risk
YesShow source
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
YesShow source
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
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
Virtual card
YesConditions apply: tap or hover for detailsShow source
Lite tier is virtual-only
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Spendable assets
1,000+ tokens accepted for fundingShow source
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Supported blockchains for collateral; more may be added
SolanaShow source
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
Per transaction; maximum 3 withdrawals per 24 hours
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
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
XPlace Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers