TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Coca: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 4 points (74 vs 70). Tuyo Card looks stronger for Funds control and Lowest fees, while Coca Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 5, 202624 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Coca Card may be the better fit for Cashback, Travel, and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallTuyo74Coca70Higher score
CashbackTuyo39Coca43Higher score
TravelTuyo42Coca82Higher score
Funds controlTuyo100Coca85Higher score
Lowest feesTuyo71Coca63Higher score
TransfersTuyo72Coca87Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Coca Card if cashback and travel matter most
Coca Card comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Tuyo74Coca70
Tuyo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXCoca$0 plan · 0% on direct pairs FX
Coca Card has the lower published FX fee (0% on direct pairs vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Coca1% base · up to 8%
Coca Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TuyoSelf-controlled walletCocaSelf-controlled wallet
Tuyo Card and Coca Card use the same self-controlled wallet setup.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayCocaVirtual + Physical · Apple Pay, Google Pay
Coca Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersCoca3 stablecoins · Stablecoin transfers; IBAN / bank transfers
Coca Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsTuyo CardOverall74Coca CardOverall70
Tuyo CardOverall74Coca CardOverall70Scores
6 fields- Overall Score
- Tuyo Card74Coca Card70
- Cashback score
- Tuyo Card39Coca Card43
- Travel score
- Tuyo Card42Coca Card82
- Funds control score
- Tuyo Card100Coca Card85
- Lowest fees score
- Tuyo Card71Coca Card63
- Transfers score
- Tuyo Card72Coca Card87
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessCoca CardBest cashback needs COCA tier rules, ATM is free only up to allowance
Costs
7 fields- Plan cost
- Tuyo Card$0Coca Card$0
- FX fee
- Tuyo Card1–3%Coca Card0% on direct pairs
- Top-up fee
- Tuyo CardNot disclosedCoca CardNot disclosed
- Card spending fee
- Tuyo Card0%Coca CardNot disclosed
- ATM fee
- Tuyo CardNot availableCoca Card0–2%
- Virtual card
- Tuyo CardFreeCoca CardVirtual card free for all tiers
- Physical card
- Tuyo CardComing soon; not currently availableCoca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/Elite
Plans
2 fields- Available plans
- Tuyo CardNot disclosedCoca Card6 plans: Starter, Standard, Standard+, Premium +2
- Top cashback plan
- Tuyo CardNot disclosedCoca CardElite: 8%
Everyday use
8 fields- Network
- Tuyo CardVisaCoca CardVisa
- Card formats
- Tuyo CardVirtualCoca CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableCoca CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayCoca CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidCoca CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Coca Card30,000 EUR/day; 30,000 EUR/transaction
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Coca Card30,000 EUR/month
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Coca Card850 EUR/day; 5,000 EUR/month
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonCoca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5
- Crypto deposits
- Tuyo CardStablecoins: USDCCoca CardStablecoins: USDT, USDC, EURC, EURS
- Fiat deposits
- Tuyo CardVirtual-account receivingCoca CardEUR IBAN receive
- Transfers
- Tuyo CardStablecoin transfersCoca CardStablecoin transfers; IBAN / bank transfers
- Payout currencies
- Tuyo CardNot disclosedCoca CardEUR, USD where available
Rewards
3 fields- Base cashback
- Tuyo Card0%Coca Card1%
- Max cashback
- Tuyo Card100%Coca Card8%
- Reward currency
- Tuyo CardUSDCoca CardStablecoins such as USDC or EURC cashback
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYCoca CardUp to 5% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultCoca CardEarn on spending balance
- Separate deposit
- Tuyo CardYesCoca CardNo
- Use balance for spending
- Tuyo CardYesCoca CardYes
- Lock-up
- Tuyo CardNot disclosedCoca CardNo
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyCoca CardSelf-custody
- Control until payment
- Tuyo CardYou keep controlCoca CardYou keep control
- Card issuer
- Tuyo CardThird NationalCoca CardNot disclosed
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Coca CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Coca CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedCoca CardNot disclosed
- Programme operator
- Tuyo CardNot disclosedCoca CardCOCA / CCA LABS
Sources
2 fields- Official sources
- Tuyo Card12Coca Card12
- Last reviewed
- Tuyo CardAug 5, 2026Coca CardAug 5, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 70 for Coca Card. Coca Card has the lower published FX fee (0% on direct pairs vs 1–3%). Coca Card has the higher published base cashback rate (1% vs 0%).
Coca Card still comes out ahead for Cashback, Travel, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo Card and Coca Card use the same self-controlled wallet setup.
Coca Card lists more stablecoins and ways to send money out (5 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Tuyo Card and Coca Card reviews first.
Continue with
Tuyo Card
Continue with
Coca Card
05 · Common questions
Tuyo vs Coca FAQ
Is Tuyo or Coca better overall?
Tuyo Card has the higher Overall Score (74 vs 70). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Tuyo or Coca?
Coca Card has the lower published FX fee (0% on direct pairs vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tuyo or Coca?
Coca Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tuyo and Coca differ on custody?
Tuyo Card and Coca Card use the same self-controlled wallet setup.
How current is this Tuyo vs Coca comparison?
The latest information check for these two cards was August 5, 2026, using 24 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.