Tria vs Nexo
A self-custodial multi-chain card with up to 6% and a 10% APY vault vs a free custodial Mastercard with Credit/Debit modes and loyalty rewards.
Quick verdict
Tria is self-custodial and multi-chain — spend 1,000+ assets directly, earn up to 6% and up to 10% APY — but it costs $20–$225/yr and is restricted in several countries. Nexo is free and custodial, with Credit/Debit modes, 40+ collateral assets, Apple and Google Pay, and tiered cashback up to 2% NEXO / 0.5% BTC, strongest in Europe.
Side-by-side
| Tria | Nexo | |
|---|---|---|
| FX Fees | 0% on USD · 1.6% on other currencies | EEA/UK 0.2%–0.7% · RoW 2%–2.5% (≈0% at Gold+) |
| Payback | 1.5% cashback, up to 6% on paid premium tiers | Up to 2% NEXO or 0.5% BTC (Credit mode) |
| Annual Fee | $20/yr Virtual · $90/yr Signature · $225/yr Premium | Free — no monthly/annual/inactivity fees |
| Physical Card | Metal Signature card + instant virtual | Virtual + physical (physical needs ≥$5k & Gold tier) |
| Custody | Self-custodial | Custodial |
| Supported Currencies | 1,000+ assets across 200+ chains, settles USD | 40+ cryptos accepted as collateral |
| Region | Not available in US, Russia, Turkey, India, Vietnam, Israel, Ukraine | EEA, UK + select European countries |
Verdict by dimension
Custody
Tria wins — self-custodial vs Nexo custodial.
Annual Fee
Nexo wins — free vs Tria's $20–$225/yr.
Cashback
Tria wins on the headline — up to 6% plus a 10% APY vault vs Nexo's up-to-2%.
Flexibility
Nexo wins — Credit/Debit modes and 40+ collateral types.
Availability
Depends on your country — Nexo is EEA/UK plus select regions; Tria is global minus the US, India and others.
Choose Tria if…
you want self-custody, multi-chain spending and the highest cashback or yield.
Choose Nexo if…
you want a free, flexible custodial card with Credit Mode and broad collateral, and you're in Europe.