Tria · VISA
Available
Self-custody wallet and Visa access with issuer credit secured by linked digital assets.
Observed 2026-10-05 · Effective 2026-09-26
The launch announcement lists Lite at $20/year and a 1.5% rate on its first $1,000 of eligible monthly spending, then 0.5%. Pro is published at 4.5% to $1,000 then 1%; Max at 6% to $2,000 then 1%. The legal schedule still lists Lite at $100, while an older Help Center article says cashback is uncapped; confirm the active caps in-app.
Tria ↗Observed 2026-10-05
U.S. terms name Third National as issuer; international terms name Nimbus, LLC. Both describe issuer-provided credit secured by digital assets in linked wallets. The issuer may liquidate collateral after a missed payment or shortfall. A separate Tria Help guide describes crypto top-ups converted to a card balance; confirm the exact flow shown for your account.
Tria / Nimbus, LLC ↗Observed 2026-10-05
Current legal terms aggregate eligible spending across cards on the account, pay in USDC and/or USDT, exclude cash-like and other listed transactions, and allow up to 12 months after a reward period for distribution. The Help Center describes uncapped rewards with quarterly payouts and up to 90 days; confirm the applicable schedule in-app.
Tria Help Center ↗Observed 2026-10-05
Tria Help says the app's card-purchase selector contains more than 200 supported regions. Applicants must choose their actual country of residence, be physically present there, be at least 18, and pass KYC; the public article does not enumerate the full list.
Tria Help Center ↗Observed 2026-10-05
The July 2026 Help guide says wallet crypto top-ups convert into a card balance and are usually near-instant, but may take 2–4 hours. It does not reconcile this flow with the collateral-backed credit terms or publish a current top-up fee schedule.
Tria Help Center ↗Estimate for 12 identical months. Monthly spending means total card purchases; eligible share affects rewards only. Network exchange rates, tax, volatility and external costs are excluded unless entered as extra costs. Unverified residence does not establish eligibility.
Issuer terms say linked self-custody assets secure credit dollar-for-dollar; the Help guide also describes crypto top-ups converted to card balance. Verify the route shown in-app.
Net estimate unavailable
Still to verify or satisfy: Borrowing costs and obligations; Reward cap; Payment and conversion fee; Asset conversion fee; Conflicting sources.
Residence eligibility still needs confirmation.
Eligible rewards are paid in USDC and/or USDT to the connected wallet; legal terms allow up to 12 months after a reward period.
Checked 2026-10-05 · The September 2026 membership announcement lists Lite at $20/year; issuer terms list $25 virtual-card annual fee. Confirm the current in-app billed amount and whether these are separate.
Checked 2026-10-05
Checked 2026-10-05 · Lite monthly threshold: September 2026 membership announcement $1,000; current legal cashback schedule $100.
Checked 2026-10-05
Issuer terms say linked self-custody assets secure credit dollar-for-dollar; the Help guide also describes crypto top-ups converted to card balance. Verify the route shown in-app.
Net estimate unavailable
Still to verify or satisfy: Borrowing costs and obligations; Reward cap; Payment and conversion fee; Asset conversion fee; Conflicting sources.
Residence eligibility still needs confirmation.
Eligible rewards are paid in USDC and/or USDT to the connected wallet; legal terms allow up to 12 months after a reward period.
Checked 2026-10-05
Checked 2026-10-05
Checked 2026-10-05 · Pro monthly threshold: membership announcement and legal cashback schedule $1,000; Help Center article says cashback is uncapped.
Checked 2026-10-05
Issuer terms say linked self-custody assets secure credit dollar-for-dollar; the Help guide also describes crypto top-ups converted to card balance. Verify the route shown in-app.
Net estimate unavailable
Still to verify or satisfy: Borrowing costs and obligations; Reward cap; Payment and conversion fee; Asset conversion fee; Conflicting sources.
Residence eligibility still needs confirmation.
Eligible rewards are paid in USDC and/or USDT to the connected wallet; legal terms allow up to 12 months after a reward period.
Checked 2026-10-05
Checked 2026-10-05
Checked 2026-10-05 · Max monthly threshold: legal cashback schedule $2,000; Help Center article says cashback is uncapped.
Checked 2026-10-05
Each source states what it documents and when it was checked. An older reference does not confirm every current cost.
The September 26, 2026 announcement renames Virtual/Signature/Premium to Lite/Pro/Max, lists Lite at $20/year, raises its advertised monthly cashback threshold from $100 to $1,000, and publishes the tier reward bands. Its Lite threshold conflicts with current legal schedule; check account terms.
Checked 2026-10-05
U.S. program terms name Third National as issuer and creditor, disclose 0% purchase APR with payment due 21 days after a billing cycle, annual fees of $25 virtual, $109 plastic and $250 metal, international transactions up to 3%, and ATM withdrawal fees up to $2 + 3%. The agreement is credit secured in part by collateral; fees may vary by account and change.
Checked 2026-10-05
International program terms name Nimbus, LLC as issuer and creditor and Tria as access provider. The fee schedule effective 31 October 2025 lists issue and annual fees of $25 virtual, $109 plastic and $250 metal; up to 3% FX, 1% international transactions, 1% USDC settlement/deposit, and up to $2 + 3% ATM withdrawals. Linked-wallet digital assets collateralize charges dollar-for-dollar and may be liquidated on delinquency or shortfall. Terms say not available in every jurisdiction and can change.
Checked 2026-10-05
New program terms apply from 1 June 2026. The legal schedule lists Virtual/Lite 1.5% to $100/month then 0.5%, Signature/Pro 4.5% to $1,000 then 1%, and Premium/Max 6% to $2,000 then 1%; rewards aggregate account-wide, exclude cash-like and other listed transactions, pay in USDC and/or USDT, and may be distributed up to 12 months after a cashback period. The September membership announcement raises Lite to $1,000, while the Help Center describes cashback as uncapped and quarterly/up to 90 days; confirm current rates and timing in-app.
Checked 2026-10-05
The June 14, 2026 help article says cashback is uncapped, paid in USDT or USDC on a quarterly schedule usually around three months after TGE, and subject to a waiting period up to 90 days. These caps and timings conflict with the newer membership announcement and current binding cashback schedule, which allows up to 12 months.
Checked 2026-10-05
The March 20, 2026 help page says the in-app card-purchase country selector contains the full list of over 200 supported regions; applicants must use their actual residence, be physically present there, be at least 18, and complete KYC. The public page does not enumerate the full country list.
Checked 2026-10-05
The July 10, 2026 guide describes crypto top-ups from Tria or external wallets, conversion to a card balance, usually near-instant processing, and possible delays of 2–4 hours. This user guide does not explain how those top-ups relate to collateral in the issuer's credit terms or provide a current fee schedule.
Checked 2026-10-05
Current policy includes sanctioned jurisdictions and additional high-risk restrictions, including Nicaragua and Venezuela; individual issuer and local-law rules also apply.
Checked 2026-10-05
