Our Official Verdict
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
The Tria Premium Card is the best self-custodial card on the market in 2026. The combination of 6%% rewards and zero global ATM fees makes the $250 fee negligible for frequent travelers. It bridges the gap between luxury banking and DeFi sovereignty perfectly.
Overview
Ultra-premium tier for high-net-worth users. Includes purchase protection and unlimited global ATM access.
Fees & Charges
Annual Fee
$250
FX Fee
0%
ATM Fee
0%
Requirements
Supported Regions
EEA, UK, US, GLOBAL
Spendable Assets
ETH, USDC, USDT
Tria Premium Card Review
The Tria Premium Card is a self-custodial Visa or Mastercard debit crypto card designed to let Tria users spend digital assets in everyday purchases.
The Top-Tier Metal Card in the Tria Stack
The Tria Premium Card sits at the top of the issuer's tier lineup. It is positioned as a premium metal card for users seeking the highest reward caps and the most generous limits within the Tria ecosystem.
Card Rails and Wallet Model
Tria uses Visa or Mastercard rails depending on region, with transactions drawing from your Tria wallet at the time of purchase. The custody model remains user-controlled rather than exchange-custodial.
Rewards and Yield Claims
Public marketing references up to 6% cashback and up to 15% APY on eligible balances. These figures are tier caps, not guarantees. Premium applicants should validate the exact reward tier, payout asset, and any program conditions in-app before relying on projected ROI.
Fees, FX, and Limits
Tria promotes 0% FX fees and 0% deposit fees on a large list of supported coins. However, the issuer does not publish a complete public fee table for the Premium tier. Annual fees, ATM fees, and conversion costs must be verified inside the Tria app.
Premium Tier Decision Check
The Premium tier only makes sense if you can access the highest reward caps and plan benefits. Before committing, confirm any membership pricing, eligibility requirements, and limit increases in-app. If those details are not clear, the Signature or Virtual tiers may offer similar utility with lower commitment. Also confirm any minimum balance or staking requirement tied to Premium access.
Verdict
The Tria Premium Card is a potential fit for high-volume spenders who can reach the top cashback or yield tiers. The decision hinges on in-app fee disclosures and reward caps, so confirm those details before committing.
Fees and break-even math
Annual fee: $250; FX fee: 0% (issuer claim); ATM fee: 0%. With a $250 annual fee and 6% cashback, you break even after spending $4,167 per year. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer card page.
Competitor comparison
Closest alternatives include the Crypto.com Obsidian Card and the Bybit Supreme Card. Compare custody model, reward caps, and FX treatment before choosing.
Points season and farming mechanism
Points season: Not formally labeled in issuer documentation as of 2026-01-22; treat the current program as TBD. Farming mechanism: No public spend-to-points ratio is disclosed. Assume rewards accumulation is program-based and can change without notice.
