Yearly cost at three spending levels
| Monthly spend | Coinbase Card | Tria |
|---|---|---|
| $500 | ≤ $0 Crypto rewards | -$43 Virtual |
| $2,000 | ≤ $0 Crypto rewards | -$43 Virtual |
| $5,000 | ≤ $0 Crypto rewards | -$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 | Coinbase Card Crypto rewards | Tria Virtual |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | Not disclosed | $0 |
| ATM fees | $0 | -$36 |
| Annual, monthly and subscription fees | $0 | -$25 |
| Cashback | Not disclosed | +$18 |
| Net per year | $0 | -$43 |
Fees
Coinbase Card charges 0% to convert or top up and Not disclosed on spending in a foreign currency. Tria charges 0% and 0%.
ATM withdrawals: Coinbase Card no card fee; Tria 1% + $1.
A virtual card costs an undisclosed fee with Coinbase Card and nothing with Tria. A physical card costs an undisclosed fee and nothing.
Cashback and rewards
Coinbase Card cashback: Variable, not published. Tria cashback: 1.5% to 6%.
Coinbase Card tiers: Crypto rewards: rate not published.
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.
Coinbase Card: Rewards are paid in a crypto you choose from a rotating list. Coinbase describes the rate as variable and shows it only in the app.
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
Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.
Tria is offered in 224 countries and territories and excludes 25.
Coinbase 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
Coinbase 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.
Coinbase Card does not list Apple Pay or Google Pay support, and Tria works with Apple Pay and Google Pay. Tria issues a virtual card you can use straight away.
Custody and safety
Coinbase Card scores 75/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Pathward, N.A.. 2025-05-15: Overseas support staff bribed by criminals copied customer data for under 1% of monthly transacting users. Coinbase said no passwords, private keys or funds were exposed. The user agreement says customer digital assets are held for customers, are not property of Coinbase and are not subject to claims of Coinbase's creditors.
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: Coinbase Card safety check and Tria safety check.
About each card
Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.
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
Coinbase Card fits if
- You live in United States, the only market it serves.
- 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.
- You live outside the US and the handful of countries it excludes.
- You want a higher cashback ceiling (up to 6%).
Read more: Coinbase Card fees and details · Tria fees and details