Tria Card vs KOSH Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

SECURED CREDITThreely Dimensions Inc logo
CASHBACK
6%
ANNUAL FEE
Free…
TRIA CARD
THREELY DIMENSIONS INC
VISA

Tria Card

Threely Dimensions Inc
  • High cashback
  • Self-custody
  • No staking
  • Apple Pay
SECURED CREDITPiers Technology Inc logo
CASHBACK
10%
ANNUAL FEE
Not published
KOSH CARD
PIERS TECHNOLOGY INC
VISA

KOSH Card

Piers Technology Inc
  • High cashback
  • No staking
  • Apple Pay
  • Google Pay
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Tria Card and the KOSH Card
CriterionTria CardKOSH Card
Overall4.0 / 53.4 / 5
Cost 25%4.5The Lite plan is free, with a 1% Visa FX fee and no deposit fees.4.0No monthly fee, free crypto top-ups and 1.5% on non-USD spending. No annual fee or ATM charge is published anywhere, which is itself a gap.
Conditions 25%3.5The 4.5% rate needs the $109/year Pro plan; the advertised 6% is close to it.4.5No stake or balance requirement is published, and the card is funded from your own USD balance.
Rewards 25%5.0Pro 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.2.510% in KOSH Points plus 5% back on hotel bookings. Points have no published cash value, so what the 10% is actually worth cannot be verified.
Reliability 25%3.0Young 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.2.5The product has been rebranded from Copperx to KOSH, the old help centre now redirects, and no public fee page exists for any of it.
Tria Card

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.

QUICK VERDICT

Who wins on what

  • HIGHER HEADLINE CASHBACK
    KOSH Card
    Up to 10% vs Up to 6%
  • KEEPS YOUR KEYS
    Tria Card
    spends from your own wallet, not a custodial balance

Only stated where the published data supports it. A card with a tiered or conditional fee is not counted as free.

THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: USDT (on Arbitrum, claimed in the Tria app) on the Tria Card, KOSH Points, USDC on the KOSH Card.
EVERY FIELD

Tria Card vs KOSH Card, side by side

Full field-by-field comparison of the Tria Card and the KOSH Card
FieldTria CardKOSH Card
Card typeSecured CreditSecured Credit
NetworkVisaVisa
Max cashbackUp to 6%Up to 10%
Rewards paid inUSDT (on Arbitrum, claimed in the Tria app)KOSH Points, USDC
Annual feeFree
(Lite); $109/year (Pro); $250/year (Max)
Not published
Monthly feeNoneNone
FX fee1% Visa FX fee
Tria charges no FX fee of its own; Visa's foreign exchange fee still applies.
1.5% on non-USD transactions
ATM fee$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.Not published
Crypto conversion0%Free
Where it worksAfghanistan, 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, Zimbabwe90+ countries
Self-custodyYesNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Tria Card vs KOSH Card: common questions

Which is better, the Tria Card or the KOSH Card?

It depends on what you optimise for. Tria Card is a secured credit card advertising up to 6%; KOSH Card is a secured credit card advertising up to 10%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Tria Card and the KOSH Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Tria Card review →KOSH Card review →Compare three cards instead

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