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COCA Card vs Tria Card

Tria Card scores higher on the G2M score: 69/100 against 64/100 (#7 and #12 of 26 cards). Pick COCA Card for a lower annual fee; pick Tria Card for cashback and more countries.

COCA Card64

#12 of 26 · 1% to 8% back · annual fee none

Get COCARead the review
Tria Card69

#7 of 26 · 1.5% to 6% back · annual fee $20

Get TriaRead the review

The short answer

  • Tria Card scores higher on the G2M score: 69/100 against 64/100 (#7 and #12 of 26 cards).
  • Tria Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 8% on COCA Card and 6% on Tria Card.
  • COCA Card has no annual fee; Tria Card costs $20 a year.
  • Tria Card charges 0% on foreign currency; COCA Card does not publish its FX fee.
  • Tria Card is confirmed in more countries: 229 against 73. Of the markets we check for every card, only Tria Card is confirmed in United States.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
COCA Card
Tria Card
G2M score
64
69 (better)
Base cashback
1%
1.5% (better)
Max cashback
8% (better)
6%
Paid in
Stablecoins, monthly
Not published
Annual fee
Free (better)
$20
FX fee
Not published
0%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Free up to $250 a month, then 2%
Pro and Max: up to $750 a day, fee not published. No ATM access on Lite.
Network
Visa
Visa
Card type
Debit
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
No
Yes
United Kingdom
Yes
Yes
EU / EEA
Yes
Yes
Countries
73
229
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
1 currency
No
Buy and sell crypto with fiat
Buy and sell
No
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Starter · Standard · Standard+ · Premium · Premium+ · Elite
Lite · Pro · Max
Perks
Yield on your card balance (variable) · 50% back on 1 subscription · 50% back on 2 subscriptions · 50% back on 3 subscriptions · 50% back on 4 subscriptions
Price protection up to $2,000 · Purchase protection up to $10,000 · Spend up to $1M a day on Pro and Max · Virtual Visa Platinum card · 1.5% with no cap on Tria Travel (hotels, rentals; not flights)

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, COCA Card or Tria Card?

Tria Card scores higher on the G2M score: 69/100 against 64/100 (#7 and #12 of 26 cards). Pick COCA Card for a lower annual fee; pick Tria Card for cashback and more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, COCA Card or Tria Card?

COCA Card has no annual fee; Tria Card costs $20 a year. Tria Card charges 0% on foreign currency; COCA Card does not publish its FX fee.

Which pays more cashback, COCA Card or Tria Card?

Tria Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 8% on COCA Card and 6% on Tria Card.

Which works in more countries, COCA Card or Tria Card?

Tria Card is confirmed in more countries: 229 against 73. Of the markets we check for every card, only Tria Card is confirmed in United States.

Who holds my funds with COCA Card and Tria Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.