Tuyo Card
- USDC to USD conversion at 1:1, no spread
- Generous fee structure, 0% fx fee
- 200k daily spend limit
- Apple Pay enabled
- No Physical Card
- No cashback, just points rewards
- Card uses only USDC on Base, you'll have to bridge over your stables
-
Key Features
| Launched | February 2025 (2 years ago) |
|---|---|
| Visa or MC | |
| Debit or Credit | Debit Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | 0% + Gas Fees |
| Cashback | None |
| Daily Spending Limit | 200,000 USD |
| Daily ATM Withdrawal Limit | N/A (ATM Withdrawals Not Enabled) |
| Foreign Exchange Fee | 2% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (you can move funds without the wallet provider) |
| Supported Cryptocurrencies | USDC |
| Supported Blockchains | ArbitrumBaseBinance Smart ChainEthereumPolygon |
| Bank Account in Your Name | USD accountACH · FedwireEUR accountSEPA |
| Deposit Currencies | USDEURMXN |
| Withdrawal Currencies | USDEURMXN |
| Supported Countries | United StatesÅland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngola |
| App Languages | English |
Your Tuyo Card: 0% FX fees, 1:1 USDC to USD conversion, and Apple Pay Enabled.
Tuyo Card Benefits and Rewards
Tuyo Card uses a points-based rewards system instead of traditional cashback – you earn TUYOs as you use the app.
Here’s how you can earn points:
- Spend with the card → ~0.50 TUYOs per $1 spent
- Trade → ~0.05 TUYOs per $1 traded
- Earn (yield strategies) → points paid daily based on your balance
- Referrals → earn ~20% of your friends’ TUYOs
Right now, TUYOs don’t have a cash value and can’t be redeemed. They’re used to track your activity, with the idea that rewards will come later.
Buy Now Pay Maybe 🩵 – How does it work?
With Tuyo Card, some of your purchases may randomly cost you $0 – you’ll see exactly what you paid or didn’t pay for, in the app. Your lunch might be free, or even a MacBook if you get lucky. That’s a fun bonus.
Buy Now Pay Maybe launched on May 7, 2026 and kinda went viral. Users on X posted dinners, gifts and other purchases covered by Tuyo, all in the range of $5-$100. No one has reported a Tesla yet 😊.
It’s chosen randomly, no special action on your end changes the odds.
Signup and test it out – when you’ll get your purchase fully covered by Tuyo, you’ll get that awesome rush feeling. It feels great. And it makes you want to keep using this card.
Tuyo Card is a Visa Platinum - Here Are the Bonus Perks You Get
Your Tuyo Card runs on Visa Platinum tier and is issued in 🇵🇷 Puerto Rico - which automatically gets you a set of perks straight from Visa, on top of what Tuyo offers.
Visa Platinum sits in the middle of Visa's consumer card lineup - above the basic Classic and Gold tiers, and below Signature and Infinite.
If you pay for your car rental with your Tuyo Card and decline the optional insurance upgrade they push at the counter, you'll get Visa Platinum insurance coverage worldwide for theft and collision on rentals up to 31 days, with no deductible.
Note:Since Tuyo doesn't have a physical card yet and most rental companies require one at the counter, you may not be able to use this benefit until Tuyo launches their physical card.
When you pay for an item with your Tuyo Card, Visa automatically adds up to 1 extra year on top of the manufacturer's warranty, free. So a MacBook with a 1-year Apple warranty becomes 2 years of coverage. Works on most electronics and appliances, coverage is up to $10,000 per year.
More Benefits
If you spot the same item advertised at a lower price within 30 days (7 days for online purchases), Visa refunds you the difference, free. So if you buy a PlayStation for $500 with your Tuyo Card and see it on sale for $400 a few weeks later, you get $100 back. Works on most retail purchases, with up to $500 back per item and 4 claims per year.
If your laptop gets stolen within 180 days of buying it, Visa covers you - automatically, for free. You must have paid with your Tuyo Card, filed a police report within 48 hours, and submitted your claim within 90 days to receive up to $10,000 per year, on most items bought anywhere in the world.
Do I have to sign up with Visa first to qualify for benefits?
Benefits kick in automatically, but you have to pay for your car rentals, electronics, and anything else you want covered, with your Tuyo Card.
Registering isn't required, but it makes filing claims much easier later. Go to Visa Benefits Portal, pick Puerto Rico: English at the top, and register your Tuyo Card. That gets you in.
Tuyo Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- Bank Accounts in Your Name
USD·
EUR
Useful Card Structure:Tuyo Card functions like a debit card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Tuyo Gives You 2 Bank Accounts in Your Name
Alongside your card, you get two personal bank accounts in your name (provided through Bridge). Bridge also provides the bank accounts for KAST Card, Plasma One Card and Cashi Card.
Top up your Tuyo card by bank transfer from an existing bank account in USD or EUR.
Tuyo Fiat Deposit Fees
| Currency | Fee | Transfer type and arrival time |
|---|---|---|
| USD | Free | ACHSame day |
| Free | FedwireSame day | |
| EUR | Free | SEPAInstant |
What You Can Deposit & Withdraw Using Tuyo
You can fund your Tuyo Card with crypto or fiat in multiple currencies and withdraw your funds to crypto wallets or local bank accounts.
You will enjoy the fact that Tuyo Card supports USD (US Dollar) withdrawal to a local bank account. It means you can always cash out to your local bank, if you need to pay bills at home.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Tuyo Card is available solely in virtual format, unlike 40% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 0 USD |
Useful:Since Tuyo Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual Tuyo Card
| Card Issuer | Rain |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 45492406 |
| Validity Period | 5 years |
| Issuing Country | Puerto Rico |
Rain is the card issuer used by several other crypto cards, including Ethena Pay Card, Avici Card, Exa Card, Lava Card, and Plasma One Card.
Crypto-to-USD Conversion Cost with Tuyo Card
Tuyo Card Converts Your Crypto on Demand
Tuyo Card offers instant conversion to the local currency at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| USD Transaction Cost | 0% + Gas Fees |
| Foreign Exchange Fee | 2% |
| Non-USD Transaction Cost | 2% + Gas Fees |
Low Cost:Compared to the average ~1.3% crypto-to-fiat cost of other cards, converting crypto with Tuyo Card is much more cost-effective (0% + Gas Fees). This means that you will get more USD for your crypto when using this card.
How Does Tuyo Make Money? – I see 0% fees here. Am I missing something?
Every time you make a payment with your Tuyo Card, the merchant (Starbucks, Amazon, etc.) pays a small fee on that transaction to their bank that operates the POS terminal. This is called the interchange fee. The merchant's bank passes part of that fee to Visa, and they share a portion of it with Tuyo.
So while you don't pay a fee directly as a cardholder, Tuyo still earns a small amount from every transaction you make - that's how card providers make money.
From all crypto cards we reviewed, Pulsar Card, Ethena Pay Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Tuyo Card Compare to Other Crypto Cards?
Tuyo Card ranks #28 out of 70 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
In addition, Tuyo Card ranks #13 out of 23 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of Tuyo Card against its 69 competitors:
- Offers a generous 200,000 USD daily spend limit (other cards offer 10,000 USD limit on average).
- Their customer service is very good with a 8.8/10 score (others score only 7.6/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- You won't be charged any monthly fee (while 10% of other crypto cards charge one, with a median of 2 USD per month).
- This crypto card is non-custodial, which means you can move your funds without relying on Tuyo. Your crypto stays under your control instead of being managed in a custodial account.
- Available for residents of United States.
- Supports USD withdrawals to a local bank account, so you can cash out in your home currency whenever you need to pay bills at home.
Weakest Features Against Competitors
Compared to its 69 competitors, here are the shortcomings of Tuyo Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Only available in virtual format (while 40% of competing crypto cards offer both physical and virtual cards).
- Supports only 5 blockchains (while other non-custodial cards support an average of 8 blockchains).
- There is no physical card, so you cannot withdraw cash from an ATM with it.
Tuyo Card vs. Avici Card vs. Plasma One Card
Tuyo Card
|
Avici Card
|
Plasma One Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | 0% + Gas Fees | ~0.2% + Gas Fees | 0% |
| Highest Cashback | None | None | up to 4% |
| Entry-Level Cashback | None | None | 2% |
| Daily Spending Limit | 200,000 USD | 1,000,000 USD | 1,000,000 USD |
| Daily ATM Limit | N/A (ATM Withdrawals Not Enabled) | 250 USD | 1,000 USD |
| Foreign Exchange Fee | 2% | 0% | 1% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
| Availability for United States |
|||
| Supported Cryptocurrencies | 1 | 4619 | 2 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Growing |
Want a different matchup? Compare any 3 cards here.
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Both Avici Card and Plasma One Card offer a solid daily spending limit of 1,000,000 USD. The daily limit on Tuyo Card is not as high.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Plasma One Card offers the best cashback rewards of up to 4%. With Tuyo Card and Avici Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Are People Actually Using Tuyo Card?
Market Share
Based on monthly transaction volume among the 29 largest crypto cards, Tuyo ranks #17 out of 29, capturing a 0.2% market share.1
-
(#1)
RedotPay
$424M (46.1%)
-
(#2)
EtherFi
$142M (15.5%)
-
(#3)
KAST
$121M (13.2%)
-
(#4)
Wirex One
$54.8M (6.0%)
- (#5) Karta $53.6M (5.8%)
-
(#6)
Plasma One
$30.2M (3.3%)
-
(#7)
Kolo
$20.5M (2.2%)
- (#8) Karta.io $18M (2.0%)
-
(#9)
Tria
$15.8M (1.7%)
-
(#10)
Coca
$7.8M (0.9%)
- (#11) Gate Card $3.8M (0.4%)
-
(#12)
Avici
$3.7M (0.4%)
-
(#17)
Tuyo
$2.1M (0.2%)
- Others (16 cards) $21.5M (2.3%)
Tuyo Monthly Transaction Volume
In October 2026, Tuyo processed approximately $2.1M in transaction volume.1
We Tested Tuyo Customer Support
We asked Tuyo customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Tuyo offers support via the following channels:
| Chat | in-app |
| [email protected] |
Location: Tuyo customer service reps are located in 
Spain and United States.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 9 h 53 min) | Quick and to the point reply about what stablecoin is needed to use the card. | High Competence Not Personalized Adequate English, Informal Tone 8/10 |
Chat (replied in 8 h 28 min) | Short reply confirming only a virtual card is available for now, with hope for physical card soon. | High Competence Not Personalized Adequate English, Informal Tone 8/10 |
Chat (replied in 37 min) | Gave a detailed breakdown of all fee types including card, bank, and crypto conversion fees, went beyond the gas fee question asked. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Chat (replied in 34 min) | Explained Buy Now, Pay Maybe feature, sent a link to full terms. | High Competence Somewhat Personalized Adequate English, Informal Tone 8.5/10 |
Chat (replied in 7 h 30 min) | Explained how rewards are earned and why referral points might not have come through. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
To summarize,
Competence and Problem-Solving: Tuyo's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.
Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 34 minutes to as slow as 10 hours.
Overall Customer Service Rating: 8.8/10
This excellent score places Tuyo Customer Service well above the crypto card industry average of 7.6/10.
Tuyo Card supports 210+ countries
Is Tuyo Card Available for Residents of United States?
Yes, Tuyo Card is available for residents of United States.
Tuyo Card supports the following countries: Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos Islands, Colombia, Comoros, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Ivory Coast, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Caledonia, New Zealand, Niger, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, United Arab Emirates, United States, Uruguay, US Outlying Islands, US Virgin Islands, Uzbekistan, Vanuatu, Vatican City, Wallis and Futuna, Western Sahara, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 16 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Cool. What's My Next Step?
