ZEN Card vs Tria Card
The short answer
Winner: Tria Card — 7.2/10 versus 6.7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
Tria Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
$2
Cashback
0%
6%
ATM fee
1.5%
1%
FX fee
0.5%
2%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$1000k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
2.5%
Free
ATM per transaction
Unlimited
$300
Network
mastercard
visa
IBAN
✓
✗
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
25
41
Coins
BTC, ETH, USDC, USDT
USDC, USDT
ZEN Card vs Tria Card FAQ
On our composite score Tria Card edges ahead (7.2/10 vs 6.7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.