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PEXX Card vs Tria Card

Tria Card scores higher on the G2M score: 69/100 against 62/100 (#8 and #19 of 39 cards). Pick PEXX Card for a lower annual fee; pick Tria Card for cashback, a lower FX fee, more countries and control of your funds.

PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review
Tria Card69

#8 of 39 · 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 62/100 (#8 and #19 of 39 cards).
  • Tria Card pays more cashback on its entry tier: 1.5% against 1%. Higher tiers go up to 6% on Tria Card.
  • PEXX Card has no annual fee; Tria Card costs $20 a year.
  • Tria Card charges less on foreign currency: a 0% FX fee against 1.2%.
  • Tria Card is confirmed in more countries: 229 against 68. Of the markets we check for every card, only Tria Card is confirmed in United States.
  • PEXX Card is custodial; Tria Card is non-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
PEXX Card
Tria Card
G2M score
62
69 (better)
Base cashback
1%
1.5% (better)
Max cashback
1%
6% (better)
Paid in
PEXX Points
Not published
Annual fee
Free (better)
$20
FX fee
1.2%
0% (better)
Top-up fee
0%
0%
Per-purchase fee
0.6%
None listed
ATM
Not published
Pro and Max: up to $750 a day, fee not published. No ATM access on Lite.
Network
Visa / Mastercard
Visa
Card type
Debit
Spend
Custody
Custodial
Non-custodial
Sign-up bonus (G2M link)
None published
$10 when you sign up and activate your Tria card
No ID check
ID needed or not stated
ID needed or not stated
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
68
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
Yes
Yes
Tiers
PEXX Card
Lite · Pro · Max
Perks
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines
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 12 Nov 2026; see each card's review for its sources.

Questions

Which is better, PEXX Card or Tria Card?

Tria Card scores higher on the G2M score: 69/100 against 62/100 (#8 and #19 of 39 cards). Pick PEXX Card for a lower annual fee; pick Tria Card for cashback, a lower FX fee, more countries and control of your funds. 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, PEXX Card or Tria Card?

PEXX Card has no annual fee; Tria Card costs $20 a year. Tria Card charges less on foreign currency: a 0% FX fee against 1.2%.

Which pays more cashback, PEXX Card or Tria Card?

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

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

Tria Card is confirmed in more countries: 229 against 68. Of the markets we check for every card, only Tria Card is confirmed in United States.

Who holds my funds with PEXX Card and Tria Card?

PEXX Card is custodial; Tria Card is non-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.