Yearly cost at three spending levels
| Monthly spend | Tangem Pay | Tria |
|---|---|---|
| $500 | -$54 Basic (free) | -$43 Virtual |
| $2,000 | +$72 Basic (free) | -$43 Virtual |
| $5,000 | +$324 Basic (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 | Tangem Pay Basic (free) | Tria Virtual |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$72 | $0 |
| ATM fees | -$96 | -$36 |
| Annual, monthly and subscription fees | $0 | -$25 |
| Cashback | +$240 | +$18 |
| Net per year | +$72 | -$43 |
Fees
Tangem Pay charges 0% to convert or top up and 1.5% on spending in a foreign currency. Tria charges 0% and 0%.
ATM withdrawals: Tangem Pay 4%; Tria 1% + $1.
A virtual card costs nothing with Tangem Pay and nothing with Tria. A physical card costs an undisclosed fee and nothing.
Cashback and rewards
Tangem Pay cashback: 1% to 2%. Tria cashback: 1.5% to 6%.
Tangem Pay tiers: Basic (free): 1% on the first $10,000 a month, capped at $100 a month; Plus ($29.99 a month): 2% on the first $15,000 a month, capped at $300 a month.
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.
Tangem Pay: Paid in USDC at the end of each billing cycle. Only purchases of $30 or more earn cashback, and in-store purchases at EU and UK merchants are excluded. The Plus plan fee is waived with $4,500 of monthly spending. A $999-a-year Prestige plan with 4% cashback is listed as coming soon.
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
Tangem Pay does not publish a country list. Tangem says the card is available in the US (not every state) and in select countries across Latin America, Asia-Pacific, the Middle East and Africa. It does not publish a country list; eligibility is checked in the app during onboarding.
Tria is offered in 224 countries and territories and excludes 25.
Tangem Pay 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
Tangem Pay publishes a daily spending limit of $10,000 and ATM withdrawals of up to $750 a day.
Tria publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $750 a day.
Tangem Pay works with Apple Pay and Google Pay, and Tria works with Apple Pay and Google Pay. Tangem Pay and Tria issue a virtual card you can use straight away.
Custody and safety
Tangem Pay scores 80/100. Licensing: holds a licence or registration outside the tier-one list (Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Tangem's own pages name Rain, a Visa Principal Member, as the issuer; Third National's site runs on Rain's legal pages.). The card is issued through Nimbus LLC dba Third National. No incidents or enforcement actions found in the last 36 months. Tangem Pay is run by Paera LLC, not Tangem AG. The card is legally a collateralised charge card. Your USDC or USDT sits in a smart contract you control, but Paera can liquidate it if a balance goes unpaid. The terms list a late fee of up to $40 and a liquidation penalty of up to $35. They also ask for 3 business days' notice before you withdraw collateral, while the app FAQ says you can withdraw at any time. The account is tied to a single Tangem Wallet, and losing that wallet means losing access to the card balance.
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: Tangem Pay safety check and Tria safety check.
About each card
Tangem Pay is a self-custody Visa card from Paera LLC (Tangem Pay program). It tops up with USDC and USDT.
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
Tangem Pay 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.
- You live outside the US and the handful of countries it excludes.
- You want a higher cashback ceiling (up to 6%).
Read more: Tangem Pay fees and details · Tria fees and details