Tria Card

Name: Tria Card
Brand: Tria (collateral-backed Visa program)

by Tria (collateral-backed Visa program)

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Marketed: 6.0%Your effective cashback: 2.6% ($129/mo) at $5,000/mo on the Premium (Metal) plan

Cashback earned on your spend

$2,000 spent × 6.0%

6.0% applies to the first $2,000/mo of spend

$120/mo

$3,000 spent × 1.0%

1.0% on the rest of your spend (no cap)

$30/mo

Gross cashback per month

sum of the bands above, before fees

$150/mo

Annual cashback

$150/mo × 12 months

$1,800/yr

Fees subtracted (first-year view)

Annual membership fee

recurring cost to hold this plan

−$250/yr

Net cashback after fees

annual cashback minus all fees

$1,550/yr

Effective cashback rate

net ÷ your annual spend (2.6%)

2.6%

Based on your monthly spend — edit it on the home page.

Custody

self-custodial

Type

prepaid

Regions

Global incl. a separate US product; excludes sanctioned/high-risk jurisdictions

Extra rewards

Points program

Rewards detail

Tria Points + Season XP (XP converts to staked TRIA); TRIA token live since Feb 2026.

Cashback plans

Virtual
1.5% up to $100/mo, then 0.5% (uncapped)
$25/yr · paid in USDT · no stake required
Signature
4.5% up to $1000/mo, then 1.0% (uncapped)
$109/yr · paid in USDT · no stake required
Premium (Metal)
6.0% up to $2000/mo, then 1.0% (uncapped)
$250/yr · paid in USDT · no stake required

Fees

FX markup: 0% advertised; T&C reserves up to 3% (+ up to 1% intl transaction)
ATM: Up to $2 + 3% per T&C (all tiers); '$750/day, Premium 0%' is third-party-reported/unverified
Spending (crypto→USD): $0 (no per-payment fee found in official docs)
Funding / top-up: Crypto top-up; up to 1% USDC settlement/deposit fee per International T&C
Issuance: Annual tier fee ($25/$109/$250; Virtual free for a limited time)
Monthly: $0

Perks & benefits

Lounge access
Visa Airport Companion pay-per-visit (Signature/Premium; sources conflict)
Travel insurance
Baggage delay/loss + auto-rental cover (Signature/Premium)
Purchase protection
Purchase & price protection (Visa Signature; aggregator-sourced)
Concierge
Visa Digital Concierge
Offers & credits
Visa Luxury Hotel Collection (Signature/Premium)
Idle-balance yield
Up to ~15% APY on idle self-custodial balance (variable DeFi)

Pros

Up to 6% cashback on the top tier (first $2,000/mo)
Cashback paid in liquid USDT on Arbitrum — no vesting (Season 3, June 2026)
Self-custodial (MPC/TSS; issuer never holds custody)
No staking/locking required to access any tier
Apple/Google Pay on all tiers

Cons

Boosted rate only applies up to the monthly cap; spend above drops to 0.5%/1%
Higher cashback requires a paid annual membership (recurring, not one-time)
T&C reserves FX markup up to 3% despite 0% marketing
Optional staking 'badges' (+0.25%–2%) only apply within the monthly cap
Some jurisdiction exclusions (India/China/Turkey/Israel/Vietnam) are third-party-reported, not in official terms

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Researched June 2026 against official docs.tria.so legal terms (card-cashback-terms effective 2026-06-01, card-terms-us, card-terms-international, prohibitions-list) and the official Season 3 blog. CONFIRMED: rates/caps, USDT cashback (no vesting), no staking requirement, Visa, self-custodial, Apple/Google Pay, USDC/USDT. CHANGED vs prior seed: fees are ANNUAL/recurring (T&C 'Annual Fees'); FX up to 3% per T&C; funding has up to 1% USDC settlement fee; removed spurious '~0.5% per-payment' fee; dropped Base (not in any official doc); regions caveated. UNVERIFIED: '$750/day Premium 0% ATM' (third-party only); $1M/day spend limit (third-party). tria.so/pricing and /rewards return 404. Legal tier names: $109='Plastic Card', $250='Metal Card'. Separate Tria Points loyalty system does not affect cashback. Verify terms before publishing. · Last updated 2026-06-28