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Kite Card vs Tria Card

Tria Card scores higher on the G2M score: 69/100 against 49/100 (#8 and #24 of 31 cards). Pick Kite Card for a lower annual fee; pick Tria Card for cashback, a lower FX fee and more countries.

Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review
Tria Card69

#8 of 31 · 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 49/100 (#8 and #24 of 31 cards).
  • Tria Card pays more cashback on its entry tier: 1.5% against 0%. Higher tiers go up to 5% on Kite Card and 6% on Tria Card.
  • Kite Card has no annual fee; Tria Card costs $20 a year.
  • Tria Card charges less on foreign currency: a 0% FX fee against 1.8%.
  • Tria Card is confirmed in more countries: 229 against 9. 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
Kite Card
Tria Card
G2M score
49
69 (better)
Base cashback
0%
1.5% (better)
Max cashback
5%
6% (better)
Paid in
USD
Not published
Annual fee
Free (better)
$20
FX fee
1.8%
0% (better)
Top-up fee
0.53%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Coming soon
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
virtual, physical, metal
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
Yes
United States
No
Yes
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
9
229
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
17 currencies
No
Buy and sell crypto with fiat
Buy and sell
No
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Not confirmed
Yes
Tiers
Kite Card
Lite · Pro · Max
Perks
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)
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, Kite Card or Tria Card?

Tria Card scores higher on the G2M score: 69/100 against 49/100 (#8 and #24 of 31 cards). Pick Kite 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, Kite Card or Tria Card?

Kite Card has no annual fee; Tria Card costs $20 a year. Tria Card charges less on foreign currency: a 0% FX fee against 1.8%.

Which pays more cashback, Kite Card or Tria Card?

Tria Card pays more cashback on its entry tier: 1.5% against 0%. Higher tiers go up to 5% on Kite Card and 6% on Tria Card.

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

Tria Card is confirmed in more countries: 229 against 9. 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 Kite 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.