secured-credit Card•

Tria Card

Name: Tria Card
Brand: Threely Dimensions Inc / Third National, LLC (US) / Nimbus, LLC (intl)
Price: 25 USD
Availability: InStock

by Threely Dimensions Inc / Third National, LLC (US) / Nimbus, LLC (intl)

Tria is a non-custodial, crypto-backed secured credit card. US balances are due 21 days after cycle close. International liquidation can be 1 calendar day. US purchases may also liquidate within 1 calendar day of a Purchase. Spend is routed via BestPath.

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TRIA CARD

Threely Dimensions Inc / Third National, LLC (US) / Nimbus, LLC (intl)

Cashback

Up to 6%

Annual Fee

$25

FX Fee

Staking

None

Max Cashback

Paid in USDC, USDT

$25

Annual Fee

Premium Perks

Available Regions

Unique Features

Account Abstraction (ERC-4337) wallet
Gas-less transactions via BestPath
Credit-against-crypto model

Pros

Non-custodial (users keep keys)
0% APR on purchases
Multi-chain support with gas abstraction
Cashback paid in USDC and/or USDT

Cons

Annual fees on all tiers ($25-$250)
3% Foreign Exchange fee
Complex jurisdiction restrictions

Integrations & Tech

iOS App

Android App

Debit Mode

IBAN Support

Credit Mode

Global availability (excluding sanctioned regions)

AvailableExcludedUnknown

Available In (1)

Global

Not Available In (28)

AfghanistanBelarusCentral African RepublicCrimea (Ukraine)CubaDemocratic Republic of the Congo

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialPlastic

Issuance$25

ShippingFree

ReplacementFree

Tier Comparison

Virtual

1.5% Cashback

Stake Required

Free

Issuance Fee

$25

Replacement Fee

Free

FX Fee

Up to 3%

ATM Fee

Up to $2 + 3%

Fee Structure

Annual Fee$25

Monthly FeeNone

FX Fee3%

Issuance Fee$25

Shipping FeeFree

Replacement FeeFree

Inactivity FeeNone

Crypto ConversionFree

Credit CheckNot Required

Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)N/A

ATM Fee (Intl)N/A

Fee After Limit3%

Detailed Fee Structure

FX Fee3%

ATM Fee$2.00 + 3%

Component 1$2.00

Component 23%

Detailed Limits

Spending LimitsDynamic

Dynamic based on collateral value

Fee Details

Foreign transaction fee: Up to 3%. ATM Withdrawals: Up to $2 + 3%. Balance Inquiry/Decline: $2. Card Issue and Annual Fee (International Card Terms, Nimbus, LLC, last updated 9 Jan 2026, https://docs.tria.so/card-terms-international): Virtual $25, Plastic $109, Metal $250 each. Conflict: the membership page (app.tria.so/membership) lists Lite (Virtual) at $20/year; the card terms govern, so OCC uses $25.

Limits & Conditions

Spend power is 1:1 the USD Market Value of Collateral. Limits are dynamic and may go to $0.

Crypto Capabilities

Security & Custody

Custody ModelNon-Custodial

Wallet TypeAccount Abstraction (ERC-4337)

InfrastructureTria BestPath; US issuer Third National, LLC; intl issuer Nimbus, LLC

Supported Assets

Chains

Ethereum

Polygon

Optimism

Arbitrum

Tokens

USDC

USDT

ETH

BTC

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

Price protection$2,000

Purchase protection$10,000

Global auto rental

Visa Digital Concierge

Signature/Premium lounge access

Baggage delay$500

Baggage loss$1,000

Visa Luxury Hotel Collection

Visa Airport Companion

Rewards Program DetailsCashback paid in USDC and/or USDT to the connected wallet. Not paid in TRIA. Virtual: 1.5% first $100/mo then 0.5%. Signature: 4.5% first $1,000 then 1%. Premium: 6% first $2,000 then 1%. Optional Staking Badge Boost on spend up to the cap only: Seed +0.25%, Growth +0.50%, Momentum +1.00%, VIP +1.50%, VIP Infinity +2.00% (Cashback Terms Schedule 2). Cap conflict: the tria.so homepage says Lite earns '1.5% Cashback on first $1000/mo then 0.5%'; the Cashback Terms (Schedule 1, last updated 1 Jun 2026, https://docs.tria.so/card-cashback-terms) set the Virtual Card cap at USD 100, which governs. Names: the Cashback Terms call the tiers Virtual Card, Signature Card and Premium Card; the membership page markets them as Lite, Pro and Max.

Payout Frequency

Not real-time. No later than 12 months after the Cashback Period (New Program from 1 Jun 2026).

Exclusions

ATM/cash, gaming, gambling, cash-like, P2P, balance repayments, FX-outside-purchase, reversed/chargeback, prohibited use