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Karta.io Card vs Tria Card

Tria Card scores higher on the G2M score: 69/100 against 40/100 (#7 and #26 of 26 cards). Pick Karta.io Card for a lower annual fee; pick Tria Card for cashback, a lower FX fee and more countries.

Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead 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 40/100 (#7 and #26 of 26 cards).
  • Tria Card pays 1.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 6% on Tria Card.
  • Karta.io Card has no annual fee; Tria Card costs $20 a year.
  • Tria Card charges less on foreign currency: a 0% FX fee against 1%.
  • Tria Card lists 229 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Tria Card is confirmed in United States, United Kingdom, EU / EEA and UAE.
  • 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
Karta.io Card
Tria Card
G2M score
40
69 (better)
Base cashback
Not published
1.5%
Max cashback
Not published
6%
Paid in
Not published
Not published
Annual fee
Free (better)
$20
FX fee
1%
0% (better)
Top-up fee
0%
0%
Per-purchase fee
1.5%
None listed
ATM
1 USDT + 2.5% per withdrawal
Pro and Max: up to $750 a day, fee not published. No ATM access on Lite.
Network
Visa
Visa
Card type
Prepaid
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual, physical, metal
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
No
Yes
United Kingdom
Unclear
Yes
EU / EEA
Unclear
Yes
Countries
Not published; depends on local rules and card partners
229
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
No
No
Buy and sell crypto with fiat
Buy only
No
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Karta Personal
Lite · Pro · Max
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
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, Karta.io Card or Tria Card?

Tria Card scores higher on the G2M score: 69/100 against 40/100 (#7 and #26 of 26 cards). Pick Karta.io Card for a lower annual fee; pick Tria Card for cashback, a lower FX fee 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, Karta.io Card or Tria Card?

Karta.io Card has no annual fee; Tria Card costs $20 a year. Tria Card charges less on foreign currency: a 0% FX fee against 1%.

Which pays more cashback, Karta.io Card or Tria Card?

Tria Card pays 1.5% cashback on its entry tier; Karta.io Card does not publish a rate. Higher tiers go up to 6% on Tria Card.

Which works in more countries, Karta.io Card or Tria Card?

Tria Card lists 229 countries where it works; Karta.io Card does not publish a full country list. Of the markets we check for every card, only Tria Card is confirmed in United States, United Kingdom, EU / EEA and UAE.

Who holds my funds with Karta.io 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.