SECURED CREDIT · VISANo annual fee

Tria Card

Name: Tria Card
Brand: Threely Dimensions Inc

by Threely Dimensions Inc · Afghanistan, Albania, Algeria, Andorra, Angola…

Non-custodial, crypto-backed secured credit card that lets you spend against your crypto collateral without selling your assets. Tria supports cross-chain spending and offers a 0% APR credit model, with purchases generally due 21 days after the billing cycle closes. The card is available in 200+ supported regions, including the United States, although availability varies by country and requires KYC.

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By the cryptocards.one team·Terms checked October 8, 2026·Referral link, see our affiliate disclosure

Tria Card — Secured Credit card — on the Visa network

MAX REWARD

Up to 6%

ENTRY PRICE

$0/year

BASE FX FEE

1%

VERDICT

Is the Tria Card worth it?

The Tria Card is a secured credit card on Visa, paying up to 6% back on spend. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

you want up to 6% back on everyday spending
you don't want to stake or lock up a token to earn the rate
you want your crypto to stay in your own wallet until you spend it

THINK TWICE IF

a fixed cost is a dealbreaker — the annual fee is Free (Lite); $109/year (Pro); $250/year (Max)

OUR SCORE

How we rate the Tria Card

4.0out of 5Our assessment, not a user rating

Cost25%4.5 / 5
The Lite plan is free, with a 1% Visa FX fee and no deposit fees.
Conditions25%3.5 / 5
The 4.5% rate needs the $109/year Pro plan; the advertised 6% is close to it.
Rewards25%5.0 / 5
Pro pays 4.5% on up to $2,000 of monthly spend — about $67.50 at $1,500 spend, or roughly 3.9% after its $109 fee.
Reliability25%3.0 / 5
Young product whose plans were renamed in September 2026 (Lite, Pro and Max). Tria charges no FX fee of its own, though Visa's FX fee still applies.

Tria is a strong all-around crypto card, with competitive cashback, broad crypto support, and useful protections across its tiers. The free Lite plan and 1.5% base cashback make it accessible, while Pro and Max offer substantially higher rewards and additional benefits. However, cashback caps, tier requirements, KYC, and paid higher-tier memberships limit its overall value. Its relatively limited long-term track record also keeps the reliability score below the top tier. Overall, Tria earns its 4.0/5 by offering a well-rounded package, but it falls short of 5/5 due to these limitations.

Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.

KEY FACTS

The card at a glance

CARD TYPE

Secured Credit

Card category

NETWORK

Visa

Where it's accepted

ANNUAL FEE

Free

(Lite); $109/year (Pro); $250/year (Max)

MAX REWARD

Up to 6%

Top published rate

See reward details ↓

REWARDS IN

USDT (on Arbitrum, claimed in the Tria app)

How rewards are paid

FX FEE

1% Visa FX fee

Tria charges no FX fee of its own; Visa's foreign exchange fee still applies.

REGION

Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Central African Republic, Chad, Chile, Colombia, Comoros, Congo (Republic of the), Congo (Democratic Republic of the), Costa Rica, Côte d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Holy See (Vatican City), Honduras, Hungary, Iceland, Indonesia, Ireland, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Zealand, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Sudan, Suriname, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Yemen, Zambia, Zimbabwe

Where it's available

STAKING

Not required

Lock-up to earn rewards

CUSTODY

Self-custody

You hold the keys

Compare Tria Card against other cards in:

REWARDS

Earning Up to 6%

The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.

Reward summary

Up to 6%, paid in USDT (on Arbitrum, claimed in the Tria app). No staking required for the base rate.

1.5% on the free Lite plan on up to $1,000 of spend a month, then 0.5%; 4.5% on Pro and 6% on Max on up to $2,000 a month, then 1%.
Paid quarterly in USDT on Arbitrum and claimed in the app, after a waiting period of up to 90 days.
One cap per user, set by your highest plan.

PLANS & TIERS

Compare the plans

This card has 3 plans. Select one to see its rate, fees and perks.

Lite

Requirement: Free

1.5%

Cashback

PRICE

$0/year

ATM FEE

unavailable

FX FEE

1%

WHAT'S INCLUDED

✓1.5% cashback on eligible purchases, up to a $1,000 monthly spend cap; 0.5% cashback applies after the cap

✓Deposit 1,000+ cryptocurrencies

✓Earn up to 6% yield through Tria Invest & Earn

✓Access to Tria Travel

✓$1,000,000 daily transaction limit

✓$2,000 price protection

✓$10,000 purchase protection

✓Apple Pay & Google Pay

✓0% Tria deposit fees — network fees covered by Tria

Plan	Lite	Pro	Max
Cashback	1.5%	4.5%	6%
Price	$0/year	$109/year	$250/year
ATM fee	unavailable	$1 +1% per withdrawal, up to $750/day	$1 +1% per withdrawal, up to $750/day
FX fee	1%all plans
Requirement	Free	$109/year membership fee	$250/year membership fee

COSTS

Fees you'll actually meet

Annual fee

Cost to hold the card each year

Free

(Lite); $109/year (Pro); $250/year (Max)

Monthly fee

Recurring account cost

None

FX spread

Applied on foreign-currency spend

1% Visa FX fee

Tria charges no FX fee of its own; Visa's foreign exchange fee still applies.

ATM withdrawal

Cash withdrawal cost

$1 + 1% per withdrawal; maximum $750 per transaction and up to 3 withdrawals per 24 hours. ATM provider fees may also apply. Virtual (Lite) cards cannot make ATM withdrawals; Pro and Max require a physical card.

Crypto conversion

When spending crypto directly

0%

Issuance fee

One-off cost to get the card

No separate issuance fee — the annual membership fee covers card issuance

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

Self-custodial
Multi-chain support
0% APR on spending
Apple Pay and Google Pay
Supports 1,000+ crypto assets

LOOK ELSEWHERE IF

Higher rates need a paid Pro ($109/year) or Max ($250/year) plan
Credit model complexity
Global but some restrictions
1% Visa FX fee on non-USD transactions

STANDOUT FEATURES

What sets it apart

Multi-chain spending without bridging
0% APR credit model
21-day settlement window
No asset selling required
Supports 1,000+ crypto assets
$1,000,000 daily transaction limit

✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ Self-custody✓ No staking

IN THE NEWS

Latest news & analysis

ABOUT THIS CARD

Common questions

Where can I use the Tria Card?

The Tria Card is available in Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Central African Republic, Chad, Chile, Colombia, Comoros, Congo (Republic of the), Congo (Democratic Republic of the), Costa Rica, Côte d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Holy See (Vatican City), Honduras, Hungary, Iceland, Indonesia, Ireland, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Zealand, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Sudan, Suriname, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Yemen, Zambia, Zimbabwe. Acceptance follows the Visa network, so it works anywhere that network is accepted within those regions. Availability by country can change — check the issuer's current list before applying.

Does the Tria Card have an annual fee?

Do I need to stake anything to earn rewards?

How much can I earn with the Tria Card?

The headline rate is Up to 6% (1.5% on the free Lite plan on up to $1,000 of spend a month, then 0.5%; 4.5% on Pro and 6% on Max on up to $2,000 a month, then 1%. Paid quarterly in USDT on Arbitrum and claimed in the app, after a waiting period of up to 90 days. One cap per user, set by your highest plan.). Check the card's reward terms for eligible spending, tiers, caps, and any conditions that apply.

Does it work with Apple Pay and Google Pay?

Is this a self-custody card?

Figures on this page come from Threely Dimensions Inc's published card terms and were verified on October 8, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.