No CEXUS available
- Cashback
- 0%
- 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.
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%
- Plan cost
- $0
- Custody
- Self Custody
- Network
- Visa/Other network
Self-custodyFree base plan
- Cashback
- 0%-100%
- Plan cost
- $0
- Custody
- Self Custody
- 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
Tangem CardOverall60
Payy CardOverall62
Tuyo CardOverall74
Avici CardOverall71
Tangem CardOverall60Payy CardOverall62Tuyo CardOverall74Avici CardOverall71Scores
6 fields- Overall Score
- Tangem Card60Payy Card62Tuyo Card74Avici Card71
- Cashback score
- Tangem Card15Payy Card17Tuyo Card39Avici Card21
- Travel score
- Tangem Card27Payy Card27Tuyo Card42Avici Card82
- Funds control score
- Tangem Card83Payy Card97Tuyo Card100Avici Card95
- Lowest fees score
- Tangem Card53Payy Card57Tuyo Card71Avici Card74
- Transfers score
- Tangem Card58Payy Card68Tuyo Card72Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonPayy CardSelf-custody wallet control, No monthly or transaction feeTuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Tangem CardNo current cashback, Virtual-only with no ATM accessPayy CardFX can reach 3%, Cash and physical access are constrainedTuyo CardReward value is unpredictable, Virtual-only with no ATM accessAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Tangem Card$0Payy Card$0Tuyo Card$0Avici Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownPayy Card1–3%Tuyo Card1–3%Avici Card0–1%
- Top-up fee
- Tangem Card0%Payy Card0%Tuyo CardNot disclosedAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Tangem Card0%Payy Card0%Tuyo Card0%Avici Card0%
- ATM fee
- Tangem CardNot availablePayy CardNot availableTuyo CardNot availableAvici Card0–0.65%
- Virtual card
- Tangem Card$0 for the first virtual cardPayy CardFree; instant after KYCTuyo CardFreeAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Tangem CardNot disclosedPayy CardNot disclosedTuyo CardComing soon; not currently availableAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Tangem CardNot disclosedPayy CardNot disclosedTuyo CardNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Tangem CardNot disclosedPayy CardNot disclosedTuyo CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Tangem CardVisaPayy CardVisa/Other networkTuyo CardVisaAvici CardVisa
- Card formats
- Tangem CardVirtualPayy CardVirtualTuyo CardVirtualAvici CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availablePayy CardNot availableTuyo CardNot availableAvici CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayPayy CardApple Pay, Google PayTuyo CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidPayy CardiOS, AndroidTuyo CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearPayy CardNot disclosedTuyo CardUp to $10,000 per day; limits can change with usage and account history.Avici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthPayy CardNot disclosedTuyo CardNo fixed monthly card-spend limit is publicly disclosed.Avici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Tangem CardATM withdrawals are not currently availablePayy CardNot disclosedTuyo CardATM withdrawals are not currently supported.Avici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Tangem CardPolygonPayy CardPolygon, Payy NetworkTuyo CardEthereum, Base, Arbitrum, Optimism, PolygonAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Tangem CardStablecoins: USDCPayy CardStablecoins: USDCTuyo CardStablecoins: USDCAvici CardStablecoins: USDC
- Fiat deposits
- Tangem CardNot disclosedPayy CardBank-account depositTuyo CardVirtual-account receivingAvici CardNot disclosed
- Transfers
- Tangem CardStablecoin transfersPayy CardStablecoin transfers; Payy payment linksTuyo CardStablecoin transfersAvici CardStablecoin transfers
- Payout currencies
- Tangem CardNot disclosedPayy CardNot disclosedTuyo CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Tangem Card0%Payy Card0%Tuyo Card0%Avici Card0%
- Max cashback
- Tangem Card0%Payy Card0%Tuyo Card100%Avici Card0%
- Reward currency
- Tangem CardNo current purchase rewardsPayy CardNo cashbackTuyo CardUSDAvici CardNo cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredPayy CardNot offeredTuyo CardUp to 11% APYAvici CardNot offered
- How it works
- Tangem CardNot offeredPayy CardNot offeredTuyo CardEarn on spending balance, Optional earn vaultAvici CardNot offered
- Separate deposit
- Tangem CardNot offeredPayy CardNot offeredTuyo CardYesAvici CardNot offered
- Use balance for spending
- Tangem CardNot offeredPayy CardNot offeredTuyo CardYesAvici CardNot offered
- Lock-up
- Tangem CardNot offeredPayy CardNot offeredTuyo CardNot disclosedAvici CardNot offered
Trust & availability
7 fields- Custody
- Tangem CardHybrid custodyPayy CardSelf-custodyTuyo CardSelf-custodyAvici CardSelf-custody
- Control until payment
- Tangem CardYou keep controlPayy CardYou keep controlTuyo CardYou keep controlAvici CardYou keep control
- Card issuer
- Tangem CardThird NationalPayy CardThird National / RainTuyo CardThird NationalAvici CardThird National
- Card processing
- Tangem CardPaera LLCPayy CardRainTuyo CardSignify Holdings, Inc. (Rain)Avici CardRelay
- Deposits & withdrawals
- Tangem CardNot disclosedPayy CardNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)Avici CardNot disclosed
- Bank transfers
- Tangem CardNot disclosedPayy CardNot disclosedTuyo CardBANEX Microfinance Bank LimitedAvici CardNot disclosed
- Identity verification
- Tangem CardSumsubPayy CardNot disclosedTuyo CardNot disclosedAvici CardSumsub
Sources
2 fields- Official sources
- Tangem Card18Payy Card5Tuyo Card12Avici Card16
- Last reviewed
- Tangem CardAug 28, 2026Payy CardAug 5, 2026Tuyo CardAug 5, 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.