Yearly cost at three spending levels
| Monthly spend | CL Card | Tria |
|---|---|---|
| $500 | -$142.15 Standard | -$43 Virtual |
| $2,000 | -$322.15 Standard | -$43 Virtual |
| $5,000 | -$682.15 Standard | -$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 | CL Card Standard | Tria Virtual |
|---|---|---|
| Top-up and conversion fees | -$528 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $0 | $0 |
| ATM fees | -$34.15 | -$36 |
| Annual, monthly and subscription fees | $0 | -$25 |
| Cashback | +$240 | +$18 |
| Net per year | -$322.15 | -$43 |
Fees
CL Card charges 2% to convert or top up and 0% 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 $20.
ATM withdrawals: CL Card €2.50; Tria 1% + $1.
A virtual card costs nothing with CL Card and nothing with Tria. A physical card costs an undisclosed fee and nothing.
Cashback and rewards
CL Card cashback: 1% to 2%. Tria cashback: 1.5% to 6%.
CL Card tiers: Standard: 1%; BXX rewards: 2%.
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.
CL Card: Ledger's page says "1% cashback in BTC, USDC, or USDT" (BTC or USDC in the US, BTC or USDT elsewhere), claimed from the Loyalty program page. CL's own FAQ also offers 2% if you take the reward in Baanx's BXX token. Spending funded by the Cryptodraft credit line earns nothing. No spend or reward cap is published.
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
CL Card is offered in 37 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, United States and Canada. Ledger says "The CL Card is currently available in the EEA, the UK, the US, Canada, Switzerland, Colombia, Mexico, and Brazil." This file uses the EU fee schedule. You do not need a Ledger device to get the card.
Tria is offered in 224 countries and territories and excludes 25.
CL 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
CL 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.
CL Card works with Apple Pay and Google Pay, and Tria works with Apple Pay and Google Pay. CL Card and Tria issue a virtual card you can use straight away.
Custody and safety
CL Card scores 64/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through UAB Monavate. No incidents or enforcement actions found in the last 36 months. Only money loaded to the card as e-money is safeguarded under e-money rules. Crypto deposited to the CL platform becomes Baanx's property, and Baanx's terms warn that "in the event that any of Us becomes insolvent ... You may not be able to have the full value of Your deposits restored". Baanx describes its crypto services as "not regulated financial services". We could not find a published proof-of-reserves report. We found no official enforcement actions against the card providers. Ledger's own past security incidents are not listed, because Ledger does not provide or hold funds for the card.
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: CL Card safety check and Tria safety check.
About each card
Ledger CL Card (Europe) is a custodial Visa card from Baanx (CL Card), card account by UAB Monavate. It tops up with BTC, ETH, USDT, USDC, LTC, XRP and SOL and its balance is held in EUR.
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
CL 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.
- 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: CL Card fees and details · Tria fees and details