Self-custodyFree base plan
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa/Other network
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.
01 · Build the comparison
Select cards for this comparison
Add or remove a card and every comparison row updates automatically.
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-custodyFree base plan
- Cashback
- 0%-100%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa
No CEXUS available
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Self-custodyLow FX
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa
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
Payy CardOverall62
Tuyo CardOverall74
Tangem CardOverall60
Avici CardOverall71
Payy CardOverall62Tuyo CardOverall74Tangem CardOverall60Avici CardOverall71Scores
6 fields- Overall Score
- Payy Card62Tuyo Card74Tangem Card60Avici Card71
- Cashback score
- Payy Card17Tuyo Card39Tangem Card15Avici Card21
- Travel score
- Payy Card27Tuyo Card42Tangem Card27Avici Card82
- Funds control score
- Payy Card97Tuyo Card100Tangem Card83Avici Card95
- Lowest fees score
- Payy Card57Tuyo Card71Tangem Card53Avici Card74
- Transfers score
- Payy Card68Tuyo Card72Tangem Card58Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeTuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsTangem CardApple Pay and Google Pay, Direct USDC funding on PolygonAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedTuyo CardReward value is unpredictable, Virtual-only with no ATM accessTangem CardNo current cashback, Virtual-only with no ATM accessAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Payy Card$0Tuyo Card$0Tangem Card$0Avici Card$0
- FX fee
- Payy Card1–3%Tuyo Card1–3%Tangem CardUp to 3% legal cap; current fee unknownAvici Card0–1%
- Top-up fee
- Payy Card0%Tuyo CardNot disclosedTangem Card0%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Payy Card0%Tuyo Card0%Tangem Card0%Avici Card0%
- ATM fee
- Payy CardNot availableTuyo CardNot availableTangem CardNot availableAvici Card0–0.65%
- Virtual card
- Payy CardFree; instant after KYCTuyo CardFreeTangem Card$0 for the first virtual cardAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Payy CardNot disclosedTuyo CardComing soon; not currently availableTangem CardNot disclosedAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Payy CardNot disclosedTuyo CardNot disclosedTangem CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Payy CardNot disclosedTuyo CardNot disclosedTangem CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkTuyo CardVisaTangem CardVisaAvici CardVisa
- Card formats
- Payy CardVirtualTuyo CardVirtualTangem CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableTuyo CardNot availableTangem CardNot availableAvici CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayTuyo CardApple Pay, Google PayTangem CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidTuyo CardiOS, AndroidTangem CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedTuyo CardUp to $10,000 per day; limits can change with usage and account history.Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Payy CardNot disclosedTuyo CardNo fixed monthly card-spend limit is publicly disclosed.Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Payy CardNot disclosedTuyo CardATM withdrawals are not currently supported.Tangem CardATM withdrawals are not currently availableAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkTuyo CardEthereum, Base, Arbitrum, Optimism, PolygonTangem CardPolygonAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Payy CardStablecoins: USDCTuyo CardStablecoins: USDCTangem CardStablecoins: USDCAvici CardStablecoins: USDC
- Fiat deposits
- Payy CardBank-account depositTuyo CardVirtual-account receivingTangem CardNot disclosedAvici CardNot disclosed
- Transfers
- Payy CardStablecoin transfers; Payy payment linksTuyo CardStablecoin transfersTangem CardStablecoin transfersAvici CardStablecoin transfers
- Payout currencies
- Payy CardNot disclosedTuyo CardNot disclosedTangem CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Tuyo Card0%Tangem Card0%Avici Card0%
- Max cashback
- Payy Card0%Tuyo Card100%Tangem Card0%Avici Card0%
- Reward currency
- Payy CardNo cashbackTuyo CardUSDTangem CardNo current purchase rewardsAvici CardNo cashback
Earn
5 fields- Advertised APY
- Payy CardNot offeredTuyo CardUp to 11% APYTangem CardNot offeredAvici CardNot offered
- How it works
- Payy CardNot offeredTuyo CardEarn on spending balance, Optional earn vaultTangem CardNot offeredAvici CardNot offered
- Separate deposit
- Payy CardNot offeredTuyo CardYesTangem CardNot offeredAvici CardNot offered
- Use balance for spending
- Payy CardNot offeredTuyo CardYesTangem CardNot offeredAvici CardNot offered
- Lock-up
- Payy CardNot offeredTuyo CardNot disclosedTangem CardNot offeredAvici CardNot offered
Trust & availability
7 fields- Custody
- Payy CardSelf-custodyTuyo CardSelf-custodyTangem CardHybrid custodyAvici CardSelf-custody
- Control until payment
- Payy CardYou keep controlTuyo CardYou keep controlTangem CardYou keep controlAvici CardYou keep control
- Card issuer
- Payy CardThird National / RainTuyo CardThird NationalTangem CardThird NationalAvici CardThird National
- Card processing
- Payy CardRainTuyo CardSignify Holdings, Inc. (Rain)Tangem CardPaera LLCAvici CardRelay
- Deposits & withdrawals
- Payy CardNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)Tangem CardNot disclosedAvici CardNot disclosed
- Bank transfers
- Payy CardNot disclosedTuyo CardBANEX Microfinance Bank LimitedTangem CardNot disclosedAvici CardNot disclosed
- Identity verification
- Payy CardNot disclosedTuyo CardNot disclosedTangem CardSumsubAvici CardSumsub
Sources
2 fields- Official sources
- Payy Card5Tuyo Card12Tangem Card18Avici Card16
- Last reviewed
- Payy CardAug 5, 2026Tuyo CardAug 5, 2026Tangem CardAug 28, 2026Avici CardAug 21, 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.