Tria Card vs Gemini Credit Card

Side-by-side comparison of 2 crypto debit cards

	Tria Card self_custodialvisa	Gemini Credit Card 4.0/5 self_custodialmastercard
Rating
Overall	—	4.0/5
Fees
Monthly Fee	—	$0
Issuance Fee	No separate fees (included in annual membership)	$0
Rewards
Max Cashback	6%	Up to 4% on gas, EV charging, transit & rideshares (up to $300 monthly spend, then 1%), 3% on dining, 2% on groceries, 1% on all other purchases
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Industry-leading cashback rates up to 6% with no spending caps True self-custody model - users maintain control of private keys Zero Tria fees on crypto conversions with AI-powered routing High spending limits ($1M daily) across all tiers	No annual fee makes it accessible to most credit-qualified users Instant rewards provide immediate crypto exposure Wide selection of 50+ reward cryptocurrencies offers flexibility Metal card design with enhanced security features
Cons	Requires 100% collateral in crypto assets for spending Each transaction may constitute a taxable event Cashback paid in TRIA tokens introduces performance risk Relatively new platform with startup risks	Cannot be used for spending cryptocurrency directly Some users report transaction decline issues affecting reliability Limited to US residents only Caps on high-earning reward categories limit maximum benefits