Yearly cost at three spending levels
| Monthly spend | Plutus | Tria |
|---|---|---|
| $500 | ≥ $23.13 Starter (€6.99 a month) | -$29 Lite (virtual) |
| $2,000 | ≥ $113.13 Starter (€6.99 a month) | -$119 Lite (virtual) |
| $5,000 | ≥ $293.13 Starter (€6.99 a month) | -$119 Lite (virtual) |
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
| Line | Plutus Starter (€6.99 a month) | Tria Lite (virtual) |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | $120 | $0 |
| ATM fees | Not disclosed | $36 |
| Annual, monthly and subscription fees | $94.22 | $25 |
| Cashback | -$101.09 | -$180 |
| Yearly cost | $113.13 | -$119 |
Fees
Plutus charges 0% to convert or top up and 2.5% on spending in a foreign currency. Tria charges 0% and 0%.
ATM withdrawals: Plutus 2.5%; Tria 1% + $1.
A virtual card costs nothing with Plutus and nothing with Tria. A physical card costs €9.99 and nothing.
Cashback and rewards
Plutus cashback: 3%. Tria cashback: 1.5% to 6%.
Plutus tiers: Starter (€6.99 a month): 3% on the first €250 a month; Everyday (€9.99 a month): 3% on the first €500 a month; Premium (€19.99 a month): 3% on the first €1,000 a month.
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.
Plutus: Rewards are paid in PLU. Holding more PLU raises the rate from 3% up to 9% and unlocks perks. Plan prices include a promotional discount shown on Plutus's plans page; the fees shown are the same in GBP.
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
Plutus does not publish a country list. Plutus offers EUR and GBP cards and does not publish a country list on its fees page.
Tria is offered in 223 countries and territories and excludes 26, including India.
Plutus 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
Plutus publishes a daily spending limit of €500,000 and a monthly limit of €1,000,000.
Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.
Plutus does not list Apple Pay or Google Pay support, and Tria works with Apple Pay and Google Pay. Plutus and Tria issue a virtual card you can use straight away.
Custody and safety
Plutus scores 44/100. 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. Plutus refers to a banking partner for its card but does not name the issuer on its fees and plans pages.
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: Plutus safety check and Tria safety check.
About each card
Plutus Card is a custodial Visa card from Plutus (Block Code Ltd, UK; Block Code LT UAB, Lithuania). It tops up with EUR and GBP 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
Plutus fits if
- Its fees and availability match your situation better on the table above.
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%).
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Plutus fees and details · Tria fees and details · Tria review