Binance Card vs Tria

Yearly cost at three spending levels

Yearly cost: conversion, FX, ATM and fixed fees minus cashback. A minus sign means cashback outweighs fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.

Where the money goes at $2,000 a month

Fees

Binance Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. Tria charges 0% and 0%.

The conversion fee applies to every dollar you load, so Tria's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.

ATM withdrawals: Binance Card $1.50 after 2 free a month; Tria 1% + $1.

A virtual card costs nothing with Binance Card and nothing with Tria. A physical card costs $10 and nothing.

Cashback and rewards

Binance Card cashback: 1.5% to 3%. Tria cashback: 1.5% to 6%.

Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.

Tria tiers: Lite (virtual): 1.5% on the first $1,000 a month; Pro (plastic, $109 a year): 4.5% on the first $2,000 a month; Max (metal, $250 a year): 6% on the first $2,000 a month.

Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.

Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Tria renamed its tiers Lite, Pro and Max. Above the monthly spend cap the rate drops to 0.5% on Lite and 1% on Pro and Max, which this model does not capture. An active staking badge adds a boost within the cap. Cash withdrawals, transfers, wallet funding, gambling and vouchers earn nothing. The Pro and Max subscriptions below are the extra cost over the $25 virtual membership ($109 and $250 a year in total). Season 3 rates apply from 1 June 2026.

Availability and KYC

Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.

Tria is offered in 223 countries and territories and excludes 26, including India.

Binance Card needs full KYC and Tria needs full KYC.

The card finder checks both cards against your country, KYC level and must-have features.

Limits, wallets and card types

Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.

Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.

Binance Card works with Apple Pay, and Tria works with Apple Pay and Google Pay. Binance Card and Tria issue a virtual card you can use straight away.

Custody and safety

Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.

Tria scores 52/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2026-08-28: An attacker exploited an authorization flaw in an older version of Rain's Solana card contract, which Tria's card programme used, and made $431,945 of unauthorized withdrawals affecting 636 Tria customers. Tria reimbursed affected users in full plus an extra 10%, and Rain says every programme on the vulnerable contract was upgraded. The same exploit hit Avici; about $1.1 million was taken across Rain-powered programmes. Tria's cards work as collateral-backed credit cards at 0% APR. Spending is secured by crypto in the user's own wallet, and a "Liquidation Event" sells collateral if charges go unpaid for one calendar day or the collateral value falls below the balance. International cards are issued by Nimbus, LLC, a Delaware company whose terms link to a privacy notice on legal.raincards.xyz. US cards are issued by "Third National". In Nigeria the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. Tria (Threely Dimensions, Inc.) says it "is not a bank, money services business, card issuer". No proof of reserves applies because Tria holds no customer assets. We found no official enforcement actions. The August 2026 Rain contract exploit is recorded under incidents.

Full reports: Binance Card safety check and Tria safety check.

About each card

Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.

Tria Card (Global) is a self-custody Visa card from Nimbus, LLC (international cards); Third National (US cards). It tops up with USDT, USDC, BTC and ETH.

Which card fits you

Binance Card fits if

• You weigh licensing and fund segregation heavily, since it scores higher on our safety check.

Tria fits if

• You want to keep crypto in your own wallet until each payment.
• You spend in foreign currencies often, since its FX markup is lower.
• Most of your spending is in your home currency, where its lower conversion fee counts most.
• You live outside the US and the handful of countries it excludes.
• You want a higher cashback ceiling (up to 6%).

Read more: Binance Card fees and details · Tria fees and details · Binance Card review · Tria review