Overview
Tria is a self-custodial Visa card with chain-abstraction baked in — it routes spending across 200+ chains (Optimism, Arbitrum, Solana, and more) using its 'BestPath' router, so you don't have to think about which network your assets live on. The base virtual card earns 1.5% cashback; paid premium tiers go up to 6%. Settlement is in USD. Tria is one of the few cards that supports such a broad asset list (1,000+ tokens) and pairs it with a self-custodial design.
Who Tria is best for
Tria is best for power users with assets scattered across multiple chains who don't want to bridge before spending. If you frequently hold positions on Optimism, Arbitrum, Solana, or other L2s, Tria's routing saves real time and gas. It is not currently available to residents of the US, Russia, Turkey, India, Vietnam, Israel, or Ukraine. The premium tiers carry meaningful annual fees and only make sense if you can use the higher cashback rate or premium perks.
Fees, in detail
Tria charges 0% FX on USD spending and 1.6% on other currencies. Deposits cost 0%. There is a 0.2% withdrawal fee on the stablecoin vault. Annual fees are tiered: Virtual ($20/yr), Signature ($90/yr), Premium ($225/yr). The premium tiers add Visa Signature travel perks, purchase protection up to $10,000, and price protection up to $2,000.
Cashback and rewards
Cashback is paid in TRIA tokens, with the rate scaling by tier: Virtual 1.5%, Premium 3–4%, Signature 4.5–6%. Cashback vests over time (20% immediate, then a 3-month cliff and 6-month linear vest), so the realistic effective rate is lower than the headline — typically around 2% on the base tier after vesting. Staking TRIA can boost the virtual tier toward ~3.5%.
Standout features
- Self-custodial across 200+ chains (Optimism, Arbitrum, Solana, more)
- 1,000+ supported assets including BTC, ETH, SOL, USDC, USDT
- Up to 10% APY on stablecoin vault balances
- Apple Pay and Google Pay supported
- Purchase Protection up to $10,000 and Price Protection up to $2,000
- Premium Signature tier ships as a metal card
Pros
- Broadest multi-chain asset support of any card we cover
- Self-custodial design — your keys, your tokens
- High effective yield on stablecoin balances (~10% APY)
- Premium tiers offer real Visa Signature travel perks
Cons
- Cashback vests over months — headline 6% is closer to ~2% effective
- Premium tiers carry annual fees ($20–$225/yr)
- Not available to residents of US, Russia, Turkey, India, Vietnam, Israel, Ukraine
How to sign up
Tap the Sign Up button on this page — it opens our referral link to Tria, which credits both of us. Install the Tria app, complete KYC, fund your account from any supported chain, and order your card.
Frequently asked questions
What's Tria's cashback rate?
Headline rates are 1.5% on the virtual card, 3-4% on Premium, and 4.5-6% on Signature. Because TRIA tokens vest over months, the realistic effective rate is closer to 2% on the base tier after vesting.
What FX fee does Tria charge?
0% on USD spending, 1.6% on all other currencies.
Is Tria self-custodial?
Yes. Tria uses account abstraction across 200+ chains, with your private keys staying under your control.
Where is Tria not available?
Tria is not currently offered to residents of the US, Russia, Turkey, India, Vietnam, Israel, or Ukraine.
What annual fee does Tria charge?
$20/yr for the Virtual card, $90/yr for Signature, $225/yr for Premium.
