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secured-credit Card•
Tria Card
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.
TRIA CARD
Threely Dimensions Inc / Third National, LLC (US) / Nimbus, LLC (intl)
Cashback
Up to 6%
Annual Fee
$25
FX Fee
3%
Staking
None
6%
Max Cashback
Paid in USDC, USDT
$25
Annual Fee
9
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
IssuanceFree
ShippingFree
ReplacementFree
Tier Comparison
Virtual
1.5% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
Free
FX Fee
Up to 3%
ATM Fee
Up to $2 + 3%
Fee Structure
Annual Fee$25
Monthly FeeNone
FX Fee3%
Issuance FeeFree
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.
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
USDTETH
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).
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
