Yearly cost at three spending levels
| Monthly spend | MetaMask Card | Tria |
|---|---|---|
| $500 | -$42 Virtual (free) | -$43 Virtual |
| $2,000 | +$12 Virtual (free) | -$43 Virtual |
| $5,000 | +$120 Virtual (free) | -$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 | MetaMask Card Virtual (free) | Tria Virtual |
|---|---|---|
| Top-up and conversion fees | -$132 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$48 | $0 |
| ATM fees | -$48 | -$36 |
| Annual, monthly and subscription fees | $0 | -$25 |
| Cashback | +$240 | +$18 |
| Net per year | +$12 | -$43 |
Fees
MetaMask Card charges 0.5% to convert or top up and 1% 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 $5.
ATM withdrawals: MetaMask Card 2%; Tria 1% + $1.
A virtual card costs nothing with MetaMask Card and nothing with Tria. A physical card costs an undisclosed fee and nothing.
Cashback and rewards
MetaMask Card cashback: 1% to 3%. Tria cashback: 1.5% to 6%.
MetaMask Card tiers: Virtual (free): 1%; Metal ($199 a year): 3%.
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.
MetaMask Card: Paid in mUSD. The Metal tier pays 3% on the first $10,000 spent each year and 1% after that, removes the 1% cross-border fee and adds $1,200 a month of free ATM withdrawals. Metal card orders have been paused since 2 June 2026.
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
MetaMask Card is offered in 45 countries, including Argentina, Brazil, Canada, France, Germany, Ireland, Italy, Mexico, Netherlands and Portugal. MetaMask lists these countries on its card page. Sign-ups in the US and UK are temporarily closed.
Tria is offered in 224 countries and territories and excludes 25.
MetaMask 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
MetaMask Card publishes a daily spending limit of $15,000 and ATM withdrawals of up to $1,000 a day.
Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.
MetaMask Card works with Apple Pay and Google Pay, and Tria works with Apple Pay and Google Pay. MetaMask Card and Tria issue a virtual card you can use straight away.
Custody and safety
MetaMask Card scores 65/100. 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. Funds stay in the user's own MetaMask wallet until each payment. US cards are issued by Cross River Bank, Member FDIC; the issuer for the countries listed here is not named on MetaMask's site.
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: MetaMask Card safety check and Tria safety check.
About each card
MetaMask Card is a self-custody Mastercard from MetaMask (Consensys). It tops up with USDC, USDT, mUSD, wETH, EURe and GBPe.
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
MetaMask Card fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Tria fits if
- 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: MetaMask Card fees and details · Tria fees and details · MetaMask Card review