Tria sells three card tiers, renamed on September 26, 2026: Virtual became Lite, Signature became Pro and Premium became Max. Lite costs 20 USD a year (the limited-time free Virtual offer has ended) and now earns 1.5% on the first 1,000 USD of eligible spend a month, up from 100 USD. Pro costs 109 USD and Max 250 USD a year in the card terms; the announcement did not restate those two prices. ATM withdrawals cost 1 USD plus 1% of the amount on Pro and Max, and are capped at 750 USD per withdrawal and 3 withdrawals in 24 hours. On foreign exchange, Tria's help center says zero FX fees, while the card terms allow up to 3% FX plus up to 1% on international transactions.
Tria Card price by tier: Lite, Pro and Max
Since Tria's membership announcement of September 26, 2026, the tiers are called Lite, Pro and Max (formerly Virtual, Signature and Premium). The card terms still use Virtual Card, Plastic Card and Metal Card. They are the same three tiers, and Pro and Max buyers get a virtual card right after identity verification and can spend with it while the physical card ships, according to Tria's card application guide.
| Check | Lite (formerly Virtual) | Pro (formerly Signature, plastic) | Max (formerly Premium, metal) |
|---|---|---|---|
| Price shown by Tria | 20 USD a year (September 26, 2026 announcement; free offer ended) | 109 USD (card terms; not restated in the announcement) | 250 USD (card terms; not restated in the announcement) |
| Card terms: issue fee / annual fee | 25 USD / 25 USD (older disclosure) | 109 USD / 109 USD | 250 USD / 250 USD |
| Cashback inside the monthly cap | 1.5% up to 1,000 USD | 4.5% up to 1,000 USD | 6% up to 2,000 USD |
| Cashback above the cap | 0.5% (announcement; an older help table showed 1%) | 1% | 1% |
| ATM withdrawals | Not available | Up to 750 USD per withdrawal | Up to 750 USD per withdrawal |
| Airport lounges | Not available | Access rights, fee per visit | Access rights, fee per visit |
Memberships are annual. Tria's membership help article says they renew yearly and that pricing can vary by region, so the price on your own Membership screen is the one to budget. The 20% first-purchase discount that ran from August 17, 2026 ended on September 11, 2026 according to Tria's discount post; renewals were never part of it. The announcement does not say whether existing Virtual holders keep their old terms, and Tria has made no official statement on that, so check your own Card tab. Lounge access is not free entry either: Tria's lounge guide says Pro and Max (formerly Signature and Premium) holders register in the Visa Airport Companion app and pay a fee for each visit.
Does Tria charge foreign transaction fees? Two official answers
This is where Tria's own documents pull in different directions, so read both before you travel.
The practical reading: Tria says it does not add its own FX markup, but the issuer's terms keep the right to charge FX and cross-border fees, and Visa's own conversion still applies. At the terms' published maximums, a 100 USD equivalent purchase in a foreign currency at a foreign merchant could carry up to 4 USD in FX and international fees (our arithmetic, not a Tria figure). Make one small foreign-currency payment first and compare the authorization amount with the posted amount. Always pay in the local currency when a merchant or ATM offers to convert for you, because that conversion happens before Tria sees the transaction.
Tria Card ATM fees and limits
Tria's help article on ATM withdrawals (updated May 15, 2026) sets both the fee and the limits. The Lite card cannot withdraw cash; Pro and Max can.
| Item | Help center | Card terms maximum |
|---|---|---|
| Withdrawal fee | 1 USD base fee + 1% of the amount | Up to 2 USD + 3% |
| Balance inquiry / declined attempt | Not listed | Up to 2 USD each |
| Per withdrawal | Up to 750 USD | - |
| Frequency | Up to 3 withdrawals in 24 hours | - |
| Japan | Most ATMs cap one withdrawal at about 100,000 yen (roughly 640 USD), so the practical daily total is about 640 USD x 3 | - |
Worked example from the help center: withdrawing 100 USD needs 102 USD of card balance (100 USD cash, 1 USD base fee, 1 USD percentage fee). At the 750 USD maximum, the same formula works out to 8.50 USD (our arithmetic). The fee is rounded down to the nearest cent, and your balance must cover the cash plus the fee or the withdrawal is declined. The ATM operator can charge its own fee on top, and ATM withdrawals never earn cashback. In Japan, the help center says to choose "Credit" when the ATM asks for the account type, and lists Seven Bank, E-net, Lawson Bank, Japan Post Bank and AEON Bank as confirmed networks.
Top-up and deposit fees
Tria's provider-fee article (May 1, 2026) says Tria does not charge a direct service fee for card deposits, but a "Provider Fee" can appear when your top-up needs a token swap, liquidity routing or a cross-chain transfer. The fee varies with network congestion and liquidity and is shown in the app before you confirm. Tria recommends USDC or USDT on Optimism, Arbitrum, Base or Polygon for the lowest overhead. The card terms separately allow a USDC settlement or deposit fee of up to 1%.
The Top Up guide (July 10, 2026) lists a 10 USD minimum for most tokens and 50 USD for Bitcoin. Most chains are gasless, but Solana top-ups need SOL for gas and Tron top-ups need TRX. Your exchange's withdrawal fee is a separate cost.
Cashback caps change the fee calculation
Since June 1, 2026, Tria cashback is capped by month. The rate inside the cap is the headline; spend above the cap earns a lower floor rate. Tria's September 26, 2026 announcement raised the Lite cap from 100 USD to 1,000 USD of eligible spend a month and said Pro and Max benefits are unchanged.
| Tier | Rate inside cap | Monthly spend cap | Rate above cap | Most you earn inside the cap |
|---|---|---|---|---|
| Lite | 1.5% | 1,000 USD | 0.5% (announcement and cashback terms; the What are Tria Cards? table showed 1%) | 15 USD a month |
| Pro | 4.5% | 1,000 USD (announcement and cashback terms; the help-center articles What are Tria Cards? and Cashback General Information showed 2,000 USD on October 1, 2026) | 1% | 45 USD a month |
| Max | 6% | 2,000 USD | 1% | 120 USD a month |
Two exceptions matter for fee math. First, Tria Travel bookings (hotels, flights, concerts, cruises) paid with a Tria Card earn 1.5%, 4.5% or 6% by tier and sit outside the monthly cap, according to Tria's Tria Travel announcement. Second, excluded transactions earn nothing: ATM and cash withdrawals, gaming, gambling, cash-like purchases (including crypto and foreign currency), P2P and account-funding transfers, repayments, refunds, reversals, chargebacks and prohibited use. Cashback is paid in stablecoins; the help center says USDT on Arbitrum, and the cashback terms allow distribution up to 12 months after each cashback period.
Break-even at the full price
20 divided by 1.5%. With 15 USD the most you earn inside the 1,000 USD monthly cap, two capped months cover the fee. Example: 1,500 USD in one month earns 15 + 500 x 0.5% = 17.50 USD.
109 divided by 4.5%. With a 1,000 USD monthly cap (45 USD maximum), that takes at least three months of capped spend before exclusions.
250 divided by 6%. With a 2,000 USD cap (120 USD maximum a month), that needs at least three fully capped months. See the Max (Premium) break-even guide.
If Pro costs 109 USD, it costs 89 USD more than Lite. On spend inside the shared 1,000 USD monthly cap, Pro earns 3 points more (4.5% vs 1.5%), so 89 divided by 3% is about 2,966.67 USD a year (about 247 USD a month).
These are gross figures from the published rates (our arithmetic), using 20 USD for Lite and the card-terms prices of 109 USD and 250 USD for Pro and Max. They ignore FX, top-up provider fees and the delay before cashback is paid. Recalculate if the app shows a different price.
App screens to verify before spending
Finish these checks before moving a large balance
Use a small payment first, then check whether the live rows match your expectation.
In the Card tab: tier name (Lite, Pro or Max), price actually charged, annual renewal, country and physical card type.
Token, network, provider fee and the amount credited to the card balance.
Authorization amount, posted amount, any FX or international row, and the cashback entry.
Records to save
- Membership price, billing term, renewal date, tier and country shown in the app.
- Top-up preview with token, network, provider fee, TXID and the credited card balance.
- Card authorization and posted transaction, merchant, currency and any FX or international fee row.
- ATM receipt, the card-side fee and the ATM operator fee, kept separately.
- Cashback rate, monthly cap, above-cap rate, excluded category and payout status.
FAQ
How much does the Tria Card cost?
Tria's membership announcement of September 26, 2026 renamed Virtual, Signature and Premium to Lite, Pro and Max. Lite now costs 20 USD a year and the limited-time free Virtual offer has ended. The announcement does not restate Pro and Max prices; Tria's International Card Terms list 109 USD (Plastic, now Pro) and 250 USD (Metal, now Max) as the card issue fee and annual fee. The 20% first-purchase discount (Signature 87 USD, Premium 200 USD) ran from August 17, 2026 and ended on September 11, 2026. Confirm the charge in the app's Card tab before paying.
Does the Tria Card charge foreign transaction fees?
Tria's help center says every tier has zero Tria foreign exchange fees and adds that Visa foreign exchange fees may still apply. The International Card Terms allow a foreign exchange fee of up to 3% and an international transaction fee of up to 1%, and the U.S. Card Terms allow up to 3.0% on international transactions. Make a small foreign-currency payment first and compare the authorization amount with the posted amount.
What are the Tria Card ATM fees and limits?
Tria's ATM help article (updated May 15, 2026) charges a 1 USD base fee plus 1% of the amount, allows up to 750 USD per withdrawal and up to 3 withdrawals in 24 hours. The card terms allow up to 2 USD plus 3% per withdrawal and up to 2 USD for a balance inquiry or a declined attempt. ATM withdrawals are available on Pro and Max (formerly Signature and Premium) only, never earn cashback, and in Japan most ATMs cap a single withdrawal at about 100,000 yen.
Are there fees to top up the Tria Card?
Tria's help center says there is no direct Tria service fee for card deposits, but a provider fee can appear when the top-up needs a token swap, liquidity routing or a cross-chain transfer. The card terms allow a USDC settlement or deposit fee of up to 1%. Tria recommends USDC or USDT on Optimism, Arbitrum, Base or Polygon for the lowest cost, and the minimum top-up is 10 USD for most tokens and 50 USD for Bitcoin.
Is Tria cashback enough to cover the membership fee?
Only with steady spending. Lite pays 1.5% on the first 1,000 USD a month (at most 15 USD), so its 20 USD fee needs about 1,333 USD of eligible spend. Pro pays 4.5% on up to 1,000 USD a month (at most 45 USD), so a 109 USD fee needs about 2,422 USD. Max pays 6% on up to 2,000 USD a month (at most 120 USD), so a 250 USD fee needs about 4,167 USD, or at least three fully capped months. Spend above the cap earns 0.5% on Lite and 1% on Pro and Max. Tria Travel bookings earn the tier rate outside the cap.
Does Lite earn 0.5% or 1% above the cap?
Tria's membership announcement of September 26, 2026 says Lite (formerly Virtual) earns 1.5% on the first 1,000 USD of eligible spend a month and 0.5% above that, matching the 0.5% floor in the Card Cashback Terms (last updated June 1, 2026), which still show the old 100 USD cap. When we checked on September 26 and October 1, 2026, the table in the help article What are Tria Cards? showed 1% after the cap for all tiers. Check the rate shown in your app.
Official sources checked on September 26 and October 1, 2026
Tria can change prices, fee rows and reward schedules. Recheck the app immediately before upgrading, funding or using an ATM.