Yearly cost at three spending levels
| Monthly spend | Bybit Card | Tria |
|---|---|---|
| $500 | -$3.60 Tier 2 (Beta) | -$43 Virtual |
| $2,000 | +$122.40 Tier 2 (Beta) | -$43 Virtual |
| $5,000 | +$974.40 Tier 3 (Alpha) | -$43 Virtual |
Net value per year: cashback minus conversion, FX, ATM and fixed 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
| Line | Bybit Card Tier 2 (Beta) | Tria Virtual |
|---|---|---|
| Top-up and conversion fees | -$237.60 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | $0 |
| ATM fees | -$24 | -$36 |
| Annual, monthly and subscription fees | $0 | -$25 |
| Cashback | +$480 | +$18 |
| Net per year | +$122.40 | -$43 |
Fees
Bybit 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: Bybit Card 2% after $100 free a month; Tria 1% + $1.
A virtual card costs nothing with Bybit Card and nothing with Tria. A physical card costs $5 and nothing.
Cashback and rewards
Bybit Card cashback: 2% to 10%. Tria cashback: 1.5% to 6%.
Bybit Card tiers: Tier 1 (Base): 2%, capped at $5 a month; Tier 2 (Beta): 2%, capped at $50 a month from $500 of monthly spend; Tier 3 (Alpha): 4%, capped at $150 a month from $3,500 of monthly spend; Tier 4 (Apex): 6%, capped at $250 a month from $9,500 of monthly spend; Tier 5 (Omega): 8%, capped at $400 a month from $12,500 of monthly spend; Tier 6 (Infinite): 10%, capped at $600 a month from $25,000 of monthly spend.
Tria tiers: Virtual: 1.5% on the first $100 a month; Signature plastic ($109 a year): 4.5% on the first $1,000 a month; Premium metal ($250 a year): 6% on the first $2,000 a month.
Tria: Paid in USDT on Arbitrum in periodic batches, with a waiting period of up to 90 days. Above the monthly spend cap the rate drops to 0.5% on the virtual tier and 1% on plastic and metal, 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 plastic and metal 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
Bybit Card is offered in 4 countries, including Australia and Mexico. The fee table on Bybit's help center lists the same fees for Australia, Georgia, Kazakhstan (AIFC), Mexico and an "Asia Pacific" card whose countries Bybit does not list publicly. Bybit's card page says the card is not offered to EEA residents. Argentina, Brazil and Peru use different fees and are not covered by this entry.
Tria is offered in 224 countries and territories and excludes 25.
Bybit 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
Bybit Card does not publish fixed spending or ATM limits.
Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.
Bybit Card does not list Apple Pay or Google Pay support, and Tria works with Apple Pay and Google Pay. Bybit Card and Tria issue a virtual card you can use straight away.
Custody and safety
Bybit Card scores 45/100. Licensing: we could not confirm a licence for the card issuer on its own website. 2025-02-21: About $1.5 billion in ETH was stolen from a Bybit cold wallet. The FBI attributed the theft to North Korean actors. The issuer of the Asia Pacific card is not named on Bybit's public help pages.
Tria scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. 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 or incident reports.
Full reports: Bybit Card safety check and Tria safety check.
About each card
Bybit Card (Asia Pacific) is a custodial Mastercard from Bybit. It tops up with USDT, USDC, BTC and ETH.
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
Bybit Card fits if
- You want a higher cashback ceiling (up to 10%).
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 weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Bybit Card fees and details · Tria fees and details · Bybit Card review