High cashbackNo FX
- Cashback
- 4%-5%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Self-custodyTiered rewards
- Cashback
- 0%-100%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa
Low FXNo CEX
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- Custody
- Hybrid
- Network
- Visa
Self-custodyLow FX
- Cashback
- 3%-5%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Ethena Pay CardOverall86
Tuyo CardOverall74
Whop CardOverall67
Solid CardOverall89
Ethena Pay CardOverall86Tuyo CardOverall74Whop CardOverall67Solid CardOverall89- Special offer
- Ethena Pay CardNo active offerTuyo CardNo active offerWhop CardNo active offerSolid CardGet $15$15 new-user bonus after qualifying card spend
Scores
6 fields- Overall Score
- Ethena Pay Card86Tuyo Card74Whop Card67Solid Card89
- Cashback score
- Ethena Pay Card89Tuyo Card39Whop Card39Solid Card91
- Travel score
- Ethena Pay Card64Tuyo Card42Whop Card57Solid Card62
- Funds control score
- Ethena Pay Card86Tuyo Card100Whop Card74Solid Card97
- Lowest fees score
- Ethena Pay Card87Tuyo Card71Whop Card56Solid Card89
- Transfers score
- Ethena Pay Card82Tuyo Card72Whop Card92Solid Card83
Strengths & trade-offs
2 fields- Strengths
- Ethena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markupTuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsWhop CardSpend Whop revenue before bank payout, Five percent in three business categoriesSolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- Ethena Pay CardCard access is still application-gated, One-day payment grace adds liquidation riskTuyo CardReward value is unpredictable, Virtual-only with no ATM accessWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- Ethena Pay Card$0Tuyo Card$0Whop CardNot disclosedSolid Card$0
- FX fee
- Ethena Pay Card0% Ethena Pay markup; Visa rate appliesTuyo Card1–3%Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedSolid Card1%
- Top-up fee
- Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separateTuyo CardNot disclosedWhop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Solid Card0%
- Card spending fee
- Ethena Pay Card0%Tuyo Card0%Whop Card0%Solid Card0%
- ATM fee
- Ethena Pay CardNot availableTuyo CardNot availableWhop CardATM access, issuer fee and limit are not separately confirmedSolid CardNot available
- Virtual card
- Ethena Pay CardUSD 0Tuyo CardFreeWhop CardNot disclosedSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Ethena Pay CardNot disclosedTuyo CardComing soon; not currently availableWhop CardNot disclosedSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Ethena Pay Card3 plans: Standard, Pro, VIPTuyo CardNot disclosedWhop CardNot disclosedSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Ethena Pay CardVIP: 5%Tuyo CardNot disclosedWhop CardNot disclosedSolid CardUltra: 5%
Everyday use
8 fields- Network
- Ethena Pay CardVisaTuyo CardVisaWhop CardVisaSolid CardVisa
- Card formats
- Ethena Pay CardVirtualTuyo CardVirtualWhop CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- Ethena Pay CardNot availableTuyo CardNot availableWhop CardNot disclosedSolid CardNot available
- Mobile wallets
- Ethena Pay CardApple PayTuyo CardApple Pay, Google PayWhop CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Ethena Pay CardiOS, WebTuyo CardiOS, AndroidWhop CardiOS, AndroidSolid CardiOS, Android, Web
- Daily spending limit
- Ethena Pay CardDynamic, based on collateral market valueTuyo CardUp to $10,000 per day; limits can change with usage and account history.Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedSolid CardShown in app
- Monthly spending limit
- Ethena Pay CardDynamic, based on collateral market valueTuyo CardNo fixed monthly card-spend limit is publicly disclosed.Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitSolid CardShown in app
- ATM limit
- Ethena Pay CardNot availableTuyo CardATM withdrawals are not currently supported.Whop CardATM access and numeric withdrawal limits are unclearSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Ethena Pay CardEthereum, Polygon, Optimism, ArbitrumTuyo CardEthereum, Base, Arbitrum, Optimism, PolygonWhop CardEthereum, Polygon, Optimism, ArbitrumSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Ethena Pay CardNot disclosedTuyo CardStablecoins: USDCWhop CardStablecoins: USDTSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Ethena Pay CardNot disclosedTuyo CardVirtual-account receivingWhop CardStored payment method top-up, Dynamic bank deposit instructionsSolid CardUSD virtual account
- Transfers
- Ethena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawalTuyo CardStablecoin transfersWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Solid CardStablecoin transfers
- Payout currencies
- Ethena Pay CardNot disclosedTuyo CardNot disclosedWhop CardUSDSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Ethena Pay Card4%Tuyo Card0%Whop Card0%Solid Card3%
- Max cashback
- Ethena Pay Card5%Tuyo Card100%Whop Card5%Solid Card5%
- Reward currency
- Ethena Pay CardAVAXTuyo CardUSDWhop CardWhop account cash-back creditSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Ethena Pay CardUp to 6% APYTuyo CardUp to 11% APYWhop CardUp to 6% APYSolid CardUp to 14% APY
- How it works
- Ethena Pay CardEarn on spending balanceTuyo CardEarn on spending balance, Optional earn vaultWhop CardOptional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Ethena Pay CardNoTuyo CardYesWhop CardNoSolid CardYes
- Use balance for spending
- Ethena Pay CardYesTuyo CardYesWhop CardNot disclosedSolid CardNo
- Lock-up
- Ethena Pay CardNoTuyo CardNot disclosedWhop CardNoSolid CardNot disclosed
Trust & availability
9 fields- Custody
- Ethena Pay CardHybrid custodyTuyo CardSelf-custodyWhop CardHybrid custodySolid CardSelf-custody
- Control until payment
- Ethena Pay CardYou keep controlTuyo CardYou keep controlWhop CardProvider controls fundsSolid CardYou keep control
- Card issuer
- Ethena Pay CardThird NationalTuyo CardThird NationalWhop CardThird NationalSolid CardRain, Third National
- Card processing
- Ethena Pay CardSignify Holdings, Inc. d/b/a RainTuyo CardSignify Holdings, Inc. (Rain)Whop CardNot disclosedSolid CardFuse Network Ltd
- Custody / key management
- Ethena Pay CardNot disclosedTuyo CardNot disclosedWhop CardPrivySolid CardNot disclosed
- Deposits & withdrawals
- Ethena Pay CardNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)Whop CardNot disclosedSolid CardNot disclosed
- Bank transfers
- Ethena Pay CardNot disclosedTuyo CardBANEX Microfinance Bank LimitedWhop CardNot disclosedSolid CardNot disclosed
- Identity verification
- Ethena Pay CardSumsubTuyo CardNot disclosedWhop CardNot disclosedSolid CardNot disclosed
- Programme operator
- Ethena Pay CardNot disclosedTuyo CardNot disclosedWhop CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Ethena Pay Card12Tuyo Card12Whop Card20Solid Card20
- Last reviewed
- Ethena Pay CardSep 1, 2026Tuyo CardAug 5, 2026Whop CardAug 11, 2026Solid CardAug 25, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.