Short answer: Tria Card is worth it if you put about $2,000 a month on one card, take the Max (Metal) plan and are comfortable with self-custody. On that standard traveller profile it ranks first in all 12 countries we track: $93.60 a month kept in the United States, $60.83 in the UK, the UAE and euro-area countries. The catch is 1.93% measured FX on non-dollar purchases.
Tria Card is a self-custody Visa card listed in 234 countries. It pays cashback in USDT on Arbitrum, with no vesting (Season 3, June 2026). Figures below are US dollars kept a month, from the cards.json build of 25 October 2026.
Is Tria card worth it?
For most travellers who spend enough, yes. Our standard profile is $1,500 a month at home, four trips a year at $800 in a local currency and six flights at $450. Light is $800 at home, two trips at $600 and two flights at $300; frequent is $2,500 at home, twelve trips at $1,000 and twenty flights at $300. Paid plans allowed, cash only.
| Where you live | Cards ranked | Light, ≈ $950 a month | Standard, ≈ $1,992 a month | Frequent, $4,000 a month |
|---|---|---|---|---|
| United States | 13 | #1 · $34.27 | #1 · $93.60 | #1 · $125.17 |
| United Kingdom | 16 | #1 · $18.12 | #1 · $60.83 | #1 · $68.17 |
| United Arab Emirates | 16 | #2 · $18.12 | #1 · $60.83 | #1 · $68.17 |
| Germany, France, Spain, Italy (euro) | 19 | #3 · $18.12 | #1 · $60.83 | #3 · $68.17 |
| Netherlands (euro) | 17 | #1 · $18.12 | #1 · $60.83 | #1 · $68.17 |
Tria settles in US dollars. In the US, FX only touches the trips. Everywhere else about 1.9% applies to nearly every purchase, at home too. So the same plan keeps $93.60 in the US and $60.83 in the other 11 countries.
Where Tria is not first: in Germany, France, Spain and Italy, two ether.fi-based cards with 0% FX on euros keep more at light and frequent spending. One of them, Pelikan × ether.fi, is Pelikan's own card, ranked by the same formula. In the UAE, Ethena Pay keeps more at light spending. Compare them all in our full travel cashback ranking.
How much cashback does Tria card really pay?
Tria advertises up to 6%. On the standard profile the calculator credits the full 6%, then subtracts the plan fee and FX.
| Line, a month | United States | UK, UAE and euro-area countries |
|---|---|---|
| Cashback on spending | $106.00 | $106.00 |
| Travel bonus, flights via Tria Travel | $13.50 | $13.50 |
| Max plan fee ($250 a year) | −$20.83 | −$20.83 |
| FX | −$5.07 | −$37.84 |
| Kept | $93.60 | $60.83 |
| Kept as a share of spending | 4.70% | 3.05% |
Outside the US, $32.77 of the $37.84 FX bill comes from spending at home and on flights, not from the trips. The travel bonus counts only on flights booked through Tria Travel.
What are Tria card fees?
Two: a yearly plan fee, and FX on every purchase outside US dollars.
| Plan | Yearly fee | Cashback | Kept, US | Kept, elsewhere |
|---|---|---|---|---|
| Lite | $20 | 1.5% to $1,000, then 0.5% | $15.48 | −$17.30 |
| Pro | $109 | 4.5% to $1,000, then 1% | $48.64 | $15.87 |
| Max (Metal) | $250 | 6% to $2,000, then 1% | $93.60 | $60.83 |
Kept amounts use the standard profile; "elsewhere" is every other country we rank.
Crypto Card Finder measured the FX at 1.93% over the real rate on 335 non-dollar purchases from 15 May to 30 September 2026, mostly in Australian dollars and yen. It combines a 1% Visa FX fee, a 0.5% Tria fee charged since 15 May, and Visa's exchange rate. The calculator uses 1.9%.
Which Tria plan should you choose?
FX costs the same on all three plans, so the choice depends on how much you spend, not where you live. By our arithmetic on the published bands:
- Max keeps more than Pro from about $780 a month.
- Pro keeps the most between about $250 and $780. Outside dollars it only turns positive near $350.
- Lite pays at most 1.5%, under the 1.9% FX, so outside dollars it keeps less than zero at any level.
If $250 a year feels heavy, compare cashback cards with no annual fee.
What is the Tria card cashback limit?
The 6% band ends at $2,000 a month; above it Tria pays 1%. Outside dollars each extra purchase also costs about 1.9% in FX, so spending above the band loses a little. By our arithmetic, on non-dollar spending Tria Max keeps about $20 at $1,000 a month, $60 at $2,000, $47 at $3,500 and $33 at $5,000. In the US there is no FX at home, so it still keeps $125.17 on the frequent profile. Heavy spenders should also read our ranking for frequent travellers.
What are the pros and cons of Tria card?
Pros:
- First on our standard profile in all 12 countries we rank.
- Cashback in USDT, a dollar-pegged stablecoin, with no vesting.
- No FX on US-dollar purchases, and 6% on Tria Travel bookings with no monthly cap on Max.
- Positive X mood over 60 days: five of eight posts, a sample rather than a poll.
Cons:
- 1.93% measured FX on non-dollar purchases, at home too unless you spend in dollars.
- The 6% stops at $2,000 a month, and Max costs $250 a year.
- Self-custody means you manage the wallet behind the card. It is not a bank account.
- No Curve: Curve accepts only cards issued in the UK or the EEA.
Should you get a Tria card?
- Check your spending currency. Mostly US dollars, and FX barely touches you. Anything else costs about 1.9% a purchase.
- Add up a normal month on the card. Max beats Pro from about $780 and peaks at $2,000.
- Count the flights you would book through Tria Travel. Only those earn the travel bonus.
- Decide on self-custody. You hold the funds, and no bank stands behind the balance.
- Run your own month in the Cashbackpacker calculator, then check every plan band on the Tria Card page.
FAQ
Is Tria Card worth it? On our standard traveller profile, yes: it ranks first in all 12 countries we track. Light and heavy spenders in some countries keep more with other cards.
What is Tria Card's foreign transaction fee? Crypto Card Finder measured 1.93% over the real rate on 335 non-dollar purchases. US-dollar purchases carry no fee.
How is Tria cashback paid? In USDT on Arbitrum, with no vesting since Season 3 in June 2026.
Does Tria Card work with Curve? No. Curve accepts only cards issued in the UK or the EEA, and Tria is issued outside them.
Is Tria Card available in my country? Crypto Card Finder lists 234 countries, checked on 18 October 2026. Tria's prohibited-use policy excludes sanctioned and some high-risk jurisdictions, so check your country of residence before you apply.
Rankings use one formula for every card, including ours; no card can pay for a place. Cashbackpacker is run by Pelikan, which also offers the Pelikan × ether.fi card. General information, not financial advice. Crypto cards are not bank deposits; rewards, fees and availability change.
Related guides
- Best cashback card for travel (2026): ranked by what you keep in the US, UK, UAE and euro area
- Best cashback card for digital nomads (2026): home currency picks the winner
- Best free cashback card for travel (2026): no annual fee, ranked by where you live
- Best card for booking flights (2026): who pays extra on airfare, and when it counts
