Membership update — November 2, 2026: Standard annual renewal prices are 20 USD for paid Lite, 109 USD for Pro and 250 USD for Max. Free Lite accounts renew automatically at 0 USD. These renewal terms do not establish eligibility or pricing for a new free card, or its rewards; check your own Cards screen before paying. The official Membership Renewal FAQ says auto-renew is normally off, except for free Lite. A banner shows the renewal date and price 30 days beforehand. If you do not renew, your card remains active with the same number, but membership benefits and cashback on new transactions stop. This check covers membership and renewal terms; other source dates below are retained.
Tria Max (formerly Premium) costs 250 USD a year in the card terms and pays 6% cashback on up to 2,000 USD of eligible card spend a month, so the most it returns inside the cap is 120 USD a month. Spend above the cap earns 1%. Tria Travel bookings earn 6% outside the cap. At the full price, the fee is covered by about 4,167 USD of capped spend, which is at least three fully capped months. Upgrade only if you spend near 2,000 USD a month by card or book travel through Tria.
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Tria cashback cap by tier
Standard annual renewal prices are 20 USD for paid Lite, 109 USD for Pro and 250 USD for Max. Free Lite accounts renew automatically at 0 USD. These renewal terms do not establish eligibility or pricing for a new free card, or its rewards; check your own Cards screen before paying. The September 26, 2026 announcement renamed Virtual, Signature and Premium to Lite, Pro and Max. The first-purchase discount ended September 11, 2026.
| Tria card tier | Base cashback | Monthly spend cap | Reduced rate above cap | Gross base cashback inside cap |
|---|---|---|---|---|
| Lite (formerly Virtual) | 1.5% | USD 1,000 | 0.5% | USD 15/month |
| Pro (formerly Signature) | 4.5% | USD 1,000 (two help-center articles showed USD 2,000 on October 1, 2026) | 1.0% | USD 45/month |
| Max (formerly Premium) | 6.0% | USD 2,000 | 1.0% | USD 120/month |
Badge Boost can change the upside, but Tria's schedule says boost applies only to eligible spend up to the monthly cap. It does not turn spend above the cap into the headline rate. Tria's Tria Travel announcement (June 22, 2026) also notes that staking badges are unavailable to new users, so most new cardholders should model Max without a badge boost.
Tria Travel: the one place Max's 6% has no cap
Tria Travel, launched on June 22, 2026 and powered by Bookit, lets you book hotels, flights, concerts, cruises and VIP experiences in the Tria app. According to Tria's announcement, bookings paid with a Tria Card earn 1.5% on Virtual, 4.5% on Signature and 6% on Premium (now Lite, Pro and Max), and they do not count toward the regular monthly cashback cap. There is no separate travel cap either. Tria's Cashback Season 3 guide confirms that Tria Travel bookings sit outside the card cashback program.
Up to 60 USD back through Tria Travel, on top of whatever you earned inside the 2,000 USD card cap that month.
Cancelled, refunded, reversed, disputed or incomplete bookings do not qualify, and cashback on a later-cancelled booking is reversed. Bookit handles changes and refunds; Tria support handles cashback only.
If most of your Max value would come from travel, compare the booking price inside Tria Travel with the same hotel or flight elsewhere before relying on the 6%.
Tria Max (Premium) breakeven formula
Tria's International Card Terms list the Metal (Max, formerly Premium) card issue and annual fee as 250 USD; the September 26, 2026 renaming announcement did not restate it. A 20% first-purchase discount (250 USD to 200 USD) ran from August 17, 2026 and ended on September 11, 2026. Still confirm the exact price, renewal structure, region and eligibility in your own app, then use two breakeven checks.
Paid-plan illustration only: free Lite rewards are not established by the renewal FAQ and are excluded from these calculations. Example at the published 250 USD price: the headline 6% formula equals about 4,167 USD of eligible spend. Because Max's 6% cap is 2,000 USD per month, that requires at least three months if you rely only on capped Premium spend. A stricter comparison against a 1% alternative uses a 5% incremental difference, so 250 USD divided by 0.05 equals 5,000 USD of eligible spend before exclusions. Against paid Lite at a 20 USD annual renewal, Max costs 230 USD more; at 2,000 USD of eligible spend a month Max earns 120 USD and Lite earns 15 + 1,000 x 0.5% = 20 USD, a 100 USD monthly gap, so the extra fee is covered after about 2.3 fully capped months (our arithmetic).
Transactions that do not qualify
The highest-risk mistake is counting every card movement as cashback spend. Tria's schedule lists excluded categories. If your transaction falls into one of these buckets, do not include it in your breakeven calculation even if the card payment itself goes through.
| Excluded category | What it means for your calculation | What to save |
|---|---|---|
| ATM and cash withdrawals | Cash access does not support the cashback case. | ATM receipt and card transaction detail. |
| Gaming, gambling, cash-like transactions | Merchant category codes can remove rewards even when the payment succeeds. | Merchant name, MCC if visible, and support response if disputed. |
| P2P, account funding, repayments | Moving money is different from eligible merchant spend. | Transaction purpose, counterparty and app category. |
| Refunds, reversals, chargebacks | Rewards can be reversed or not distributed. | Original charge, refund date and adjusted cashback row. |
App screens to check before upgrading
Do not upgrade from a public headline alone. Open the Tria app and confirm the exact screens below. If any screen is missing or the terms differ, use the app and official terms as the source of truth before paying.
Finish these checks before treating Max as profitable
The goal is to prove that your own account has the tier, eligible spend and reward timing needed for the calculation.
Max price actually charged, billing type, renewal date, region availability and cancellation path.
Max tier, cashback rate, monthly cap, reduced rate, badge status and pending rewards.
Token, network, conversion preview, eligible merchant category and final statement row.
Records to save for Max
- Membership screen showing Max price, billing period, renewal date, country, cancellation route and card status.
- Cashback terms showing Max (Premium) 6.0%, USD 2,000 monthly spend cap, 1.0% reduced rate, badge boost and excluded categories.
- Each eligible purchase: merchant, amount, currency, card transaction detail, wallet deduction and reward status.
- Refunds, reversals, chargebacks or support tickets that can change the final cashback amount.
- Monthly spreadsheet separating eligible spend, excluded spend, reduced-rate spend, pending cashback and distributed cashback.
FAQ
How much is the Tria Premium card?
Tria renamed Premium to Max on September 26, 2026. That announcement does not restate the price, so the reference remains Tria's International Card Terms: a 250 USD card issue fee and a 250 USD annual fee for the Metal (Max, formerly Premium) card. A 20% first-purchase discount to 200 USD ran from August 17, 2026 and ended on September 11, 2026, and renewals were never discounted. Confirm the charge in the app's Card tab before paying.
Does Tria Premium Card have unlimited 6% cashback?
No. Tria's June 2026 cashback schedule lists Premium Card at 6.0% up to a USD 2,000 monthly spend cap, with a 1.0% reduced rate above the cap. Excluded transactions do not qualify.
What is the maximum base cashback inside the Premium cap?
At 6.0% on USD 2,000 of eligible monthly spend, the base cashback inside the Premium cap is USD 120 before badge boosts, exclusions, changes, or delayed distribution.
Does Tria Travel count toward the Premium cashback cap?
No. Tria's Tria Travel announcement (June 22, 2026) says bookings paid with a Tria Card earn 6% on Premium and do not count toward the regular monthly cap, with no separate travel cap. Only completed and confirmed bookings qualify.
How do I calculate Tria Premium breakeven?
Use the membership cost shown in your own Tria app. A simple gross formula is membership cost divided by 0.06, capped by USD 2,000 eligible spend per month. A stricter incremental formula compares Premium against the rate you would otherwise earn. At 250 USD, the gross formula needs about 4,167 USD of eligible spend, or at least three fully capped months.
Which transactions are excluded from Tria cashback?
Tria's schedule lists excluded categories including ATM and cash withdrawals, gaming, gambling, cash-like transactions, P2P transfers, account-funding transfers, repayments, reversed or refunded transactions, chargebacks and prohibited-use transactions.
What does Tria Premium include besides cashback?
Tria's card help article lists for Premium (now Max) a metal physical card, ATM withdrawals up to 750 USD per withdrawal (1 USD plus 1% per Tria's ATM article), airport lounge access, price protection of 2,000 USD, purchase protection of 10,000 USD, and Invest and Earn access of up to 15%. Tria's lounge guide says lounge entry is charged per visit.
Official sources checked on September 26 and October 1, 2026
Tria can update schedules, membership pricing and availability. Confirm the live app screen and the official terms before upgrading, spending or estimating cashback value.