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Choose 2–4 cards to compare fees, rewards and everyday use.

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Feature

Scores

Overall Score: Tuyo Card
76
Solid Card
86
Payy Card
62
Tria Card
67

Cashback score: Tuyo Card
40
Solid Card
89
Payy Card
17
Tria Card
45

Travel score: Tuyo Card
69
Solid Card
57
Payy Card
27
Tria Card
63

Funds control score: Tuyo Card
100
Solid Card
95
Payy Card
97
Tria Card
91

Lowest fees score: Tuyo Card
70
Solid Card
82
Payy Card
57
Tria Card
51

Transfers score: Tuyo Card
70
Solid Card
93
Payy Card
68
Tria Card
63

Choosing a card

Best fit

Tuyo Card

Spending from a self-custody USD account through a virtual Visa.
Moving between bank transfers, crypto and card spending in one account.

Solid Card

Core users earning 3% in USDC after Rewards opt-in, capped at $50/month.
Wirex users paying in EUR with 0% FX when EURC covers the full purchase.

Payy Card

Spending self-custodied USDC from Payy Wallet through a virtual Visa.
Using Payy Network's private settlement for wallet-funded card purchases.

Tria Card

Funding card purchases through Tria's self-custody crypto wallet.
Choosing a paid cashback tier without staking or holding a required token.

Before you choose

Tuyo Card

Non-USD purchases outside the U.S. can add 1% FX plus a 1% abroad fee.
Buy Now, Pay Maybe discounts are random; TUYO points have no fixed cash value.

Solid Card

Cashback arrives 14 days after settlement; savings boosts pay in soFUSE.
Category boosts cover the first qualifying purchase per category each month.

Payy Card

Foreign-currency purchases carry a combined 1–3% conversion charge.
There is no purchase cashback; Payy Points have no monetary value.

Tria Card

Lite costs $20/year, Pro $109 and Max $250; the wallet alone is not the card plan.
Cashback is paid in batches, with terms allowing delays of up to 12 months.

Costs

Plan cost: Tuyo Card
$0
Solid Card
$0
Payy Card
$0
Tria Card
$20/year

FX fee: Tuyo Card
1–2%
Solid Card
0–1.5%
Payy Card
1–3%
Tria Card
0–3%

Top-up fee: Tuyo Card
Not disclosed
Solid Card
0.03–0.1%
Payy Card
0%
Tria Card
1%

Card spending fee: Tuyo Card
0%
Solid Card
0%
Payy Card
0%
Tria Card
Not disclosed

ATM fee: Tuyo Card
Operator/bank charges may apply; included within the $250 withdrawal maximum
Solid Card
Not available
Payy Card
Not available
Tria Card
Up to $2 + 3%; inquiry/decline up to $2

Virtual card: Tuyo Card
Free
Solid Card
Virtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
Payy Card
Free; instant after KYC
Tria Card
$20/year Lite membership; issued after payment and KYC

Physical card: Tuyo Card
Coming soon; not currently available
Solid Card
Physical card not listed
Payy Card
Not disclosed
Tria Card
Pro $109/year PVC card + virtual; Max $250/year metal card + virtual; shipping is country/batch gated

Plans

Available plans: Tuyo Card
Not disclosed
Solid Card
3 plans: Core, Prime, Ultra
Payy Card
Not disclosed
Tria Card
3 plans: Lite, Pro, Max

Top cashback plan: Tuyo Card
Not disclosed
Solid Card
Ultra: 5%
Payy Card
Not disclosed
Tria Card
Max: 6%

Everyday use

Network: Tuyo Card
Visa
Solid Card
Visa
Payy Card
Visa/Other network
Tria Card
Visa

Card formats: Tuyo Card
Virtual
Solid Card
Virtual
Payy Card
Virtual
Tria Card
Virtual, Physical

ATM withdrawals: Tuyo Card
Available
Solid Card
Not available
Payy Card
Not available
Tria Card
Available

Mobile wallets: Tuyo Card
Apple Pay, Google Pay
Solid Card
Apple Pay, Google Pay
Payy Card
Apple Pay, Google Pay
Tria Card
Apple Pay, Google Pay

Apps: Tuyo Card
iOS, Android
Solid Card
iOS, Android, Web
Payy Card
iOS, Android
Tria Card
iOS, Android, Web

Daily spending limit: Tuyo Card
New cards: up to $50,000/day; can rise to $100,000 after $50,000 cumulative purchases and $200,000 after $100,000
Solid Card
Shown in app
Payy Card
Not disclosed
Tria Card
Dynamic / collateral-based; marketing claims up to $1,000,000/day

Monthly spending limit: Tuyo Card
No fixed monthly card-spend limit is publicly disclosed.
Solid Card
Shown in app
Payy Card
Not disclosed
Tria Card
Dynamic / collateral-based; marketing claims up to $1,000,000/day

ATM limit: Tuyo Card
$250 per withdrawal including operator surcharge; at most 3 attempts in any rolling 24 hours, including declines
Solid Card
Not disclosed
Payy Card
Not disclosed
Tria Card
$750/withdrawal; 3 withdrawals/24h

Funding & transfers

Networks: Tuyo Card
Ethereum, Base, Arbitrum, BNB Smart Chain, Polygon
Solid Card
Fuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
Payy Card
Polygon, Payy Network
Tria Card
Ethereum, Polygon, Base, Arbitrum, Optimism, BSC +2

Crypto deposits: Tuyo Card
Stablecoins: USDC
Solid Card
Stablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
Payy Card
Stablecoins: USDC
Tria Card
Stablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL

Fiat deposits: Tuyo Card
Virtual-account receiving
Solid Card
USD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
Payy Card
Bank-account deposit
Tria Card
Not disclosed

Transfers: Tuyo Card
Stablecoin transfers
Solid Card
Stablecoin transfers; Bank withdrawal
Payy Card
Stablecoin transfers; Payy payment links
Tria Card
Stablecoin transfers

Payout currencies: Tuyo Card
Not disclosed
Solid Card
Not disclosed
Payy Card
Not disclosed
Tria Card
Not disclosed

Rewards

Base cashback: Tuyo Card
0%
Solid Card
3%
Payy Card
0%
Tria Card
1.5%

Max cashback: Tuyo Card
100%
Solid Card
5%
Payy Card
0%
Tria Card
6%

Reward currency: Tuyo Card
USD
Solid Card
USDC cashback
Payy Card
No cashback
Tria Card
USDC and/or USDT stablecoins cashback

Earn

Advertised APY: Tuyo Card
Not disclosed
Solid Card
Up to 14% APY
Payy Card
Not offered
Tria Card
Up to 15% APY

How it works: Tuyo Card
Earn on spending balance, Optional earn vault
Solid Card
Borrow against collateral, Optional earn vault
Payy Card
Not offered
Tria Card
Optional earn vault

Separate deposit: Tuyo Card
Varies
Solid Card
Yes
Payy Card
Not offered
Tria Card
Not disclosed

Use balance for spending: Tuyo Card
Varies
Solid Card
Not disclosed
Payy Card
Not offered
Tria Card
Not disclosed

Lock-up: Tuyo Card
Not disclosed
Solid Card
Not disclosed
Payy Card
Not offered
Tria Card
No

Trust & availability

Custody: Tuyo Card
Self-custody
Solid Card
Self-custody
Payy Card
Self-custody
Tria Card
Self-custody

Control until payment: Tuyo Card
You keep control
Solid Card
You keep control
Payy Card
You keep control
Tria Card
You keep control

Card issuer: Tuyo Card
Third National
Solid Card
Rain, Third National, Wirex
Payy Card
Third National / Rain
Tria Card
Nimbus, LLC, Third National

Card processing: Tuyo Card
Signify Holdings, Inc. (Rain)
Solid Card
Fuse Network Ltd
Payy Card
Rain
Tria Card
Not disclosed

Deposits & withdrawals: Tuyo Card
Bridge Ventures, Inc. (Bridge)
Solid Card
Not disclosed
Payy Card
Not disclosed
Tria Card
Not disclosed

Bank transfers: Tuyo Card
BANEX Microfinance Bank Limited
Solid Card
Not disclosed
Payy Card
Not disclosed
Tria Card
Not disclosed

Programme operator: Tuyo Card
Not disclosed
Solid Card
Fuse Network Ltd
Payy Card
Not disclosed
Tria Card
Threely Dimensions Inc.

Sources

Official sources: Tuyo Card
12
Solid Card
20
Payy Card
5
Tria Card
21

Last reviewed: Tuyo Card
Oct 20, 2026
Solid Card
Oct 17, 2026
Payy Card
Aug 5, 2026
Tria Card
Sep 30, 2026

Signup offers

Solid Card

$25 in FUSE

$25 in FUSE after $150 of qualifying card spend

Sign up through the referral link, verify identity and activate the Solid Card.
Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.
After qualification, make one more eligible purchase of at least $10 before payout.
Rewards normally pay in FUSE to Savings 30 days after qualification; review can add up to 14 days. Refunds, pending payments, wallet/card top-ups, gift cards, transfers, financial services and other excluded categories do not qualify.

Solid Card promo code15QRE

The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.

Get Solid Read review

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Bonuses do not affect scores.

Compare cards

Compare the details

Signup offers

$25 in FUSE