We compare Tria and the MetaMask Card. Both are genuinely self-custodial, meaning your keys and your crypto stay yours right up to the moment you pay. The difference is scope. The MetaMask Card is a card attached to a wallet, tied to three chains and around nine assets. Tria is a full self-custodial neofinance app, with a Visa card, on-chain yield, cross-chain swaps, and perps, working across 200+ chains and 150+ countries, all from one balance that stays yours.
Quick summary
One app, not just a card
The MetaMask Card does one thing: it turns your MetaMask wallet holdings into card payments. Tria does that too, then adds Earn, cross-chain Swap, and self-custodial perps to the same balance. You're not choosing a card; you're choosing an account that happens to include one.
More chains, more assets
Tria works across 200+ chains and 1,000+ tokens through its BestPath routing engine, so your card can draw from assets wherever they live, with no manual bridging. The MetaMask Card supports Linea, Base, and Solana, and around nine assets. If your crypto is spread across ecosystems, that gap matters.
Higher cashback, plus yield
Tria pays up to 6% cashback in stablecoins, with no token to stake and no lockup, so every point is what you actually keep. The MetaMask Card pays 1% on the free Virtual tier or 3% on Metal ($199/year, on the first $10,000 per year), credited in mUSD. On top of cashback, idle balance in Tria can earn up to 15% APY through Earn.
Truly global
The Tria Visa card works in 150+ countries across 130M+ merchants. The MetaMask Card is available in the US, UK, EEA, Canada, Switzerland, and core Latin America, though MetaMask paused new US signups and Metal orders in early June 2026 (existing US cardholders are unaffected).
Tria and MetaMask Card compared
| How they compare | Tria | MetaMask Card |
|---|---|---|
| Custody | Self-custodial (your keys) | Self-custodial (your keys) |
| Card network | Visa (150+ countries, 130M+ merchants) | Mastercard |
| Chains | 200+ (via BestPath) | Linea, Base, Solana |
| Assets | 1,000+ tokens | Around 9 |
| Cashback | Up to 6%, in stablecoins, no lockup | 1% (Virtual) / 3% (Metal), in mUSD |
| Annual fee | Free tiers | Free (Virtual) / $199 (Metal) |
| Daily limit | Up to $1,000,000 | $15,000 / $30,000 |
| Yield | Up to 15% APY on your balance (Earn) | Pay with Aave yield-bearing tokens |
| More than a card | Wallet + Earn + Swap + Perps | Wallet + card |
| Availability | 150+ countries | US signups paused mid-2026; UK, EEA, Canada, LATAM open |
The good about MetaMask Card
Let's be fair: the MetaMask Card is a strong product. It comes from one of the most trusted names in crypto, the free tier has no annual fee, and its foreign-exchange terms are clearly published (1% on the Virtual tier, 0% on Metal). Its cleverest feature is Aave support, letting you pay with yield-bearing tokens like aUSDC that keep earning right up until the moment you use them. If your assets already live in MetaMask on Linea, it's a clean, capable card.
The Tria advantage
Where Tria pulls ahead is everything around the card. Because Tria is one self-custodial account, the same balance that pays at checkout also earns yield between purchases, swaps across 200+ chains without bridging, and trades perps through integrated venues (Hyperliquid and Decibel). MetaMask's Aave feature is a smart version of "earn while you hold," and Tria applies that idea across a whole financial stack instead of just the card. Add higher cashback, far higher limits, and wider global reach, and the two stop being the same kind of product.
The clincher: your money never sits idle
A card on a wallet leaves your capital doing one thing at a time. In Tria, cashback and yield flow back into a balance you can immediately trade, swap, or pay with, so nothing sits still and nothing is siloed. It's the difference between a card you top up and an account that compounds. And it's backed by scale, with 500,000+ users and $300M+ in transaction volume, all self-custodial.
Which should you choose?
- Choose the MetaMask Card if you live inside MetaMask, your assets are on Linea, Base, or Solana, and you want a simple, focused card with published FX terms.
- Choose Tria if you hold crypto across many chains, want higher cashback and limits, and want one self-custodial account that earns, swaps, and trades, not just a card.
Both keep your keys. Only one makes the rest of your crypto work while you carry it.
Get Tria: the card, the yield, the swaps, and the trading, from a balance that stays yours.
