TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Coinbase One: where the score gap comes from
Tuyo Card has the higher Overall Score by 18 points (74 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202635 official sources reviewed
01 · Where the gap opens
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallTuyo74Coinbase One56Higher score
CashbackTuyo39Coinbase One40Compare the details below
TravelTuyo42Coinbase One60Compare the details below
Funds controlTuyo100Coinbase One36Compare the details below
Lowest feesTuyo71Coinbase One58Compare the details below
TransfersTuyo72Coinbase One24Compare the details below
Choose Tuyo Card if its day-to-day setup suits you
Tuyo Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Tuyo74Coinbase One56
Tuyo Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Tuyo Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Tuyo0% base · up to 100%Coinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- TuyoSelf-controlled walletCoinbase OneCustodial balance
Tuyo Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Coinbase One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersCoinbase One0 stablecoins · Not modeled
Tuyo Card lists more stablecoins and ways to send money out (2 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsTuyo CardOverall74Coinbase One CardOverall56
Tuyo CardOverall74Coinbase One CardOverall56Scores
6 fields- Overall Score
- Tuyo Card74Coinbase One Card56
- Cashback score
- Tuyo Card39Coinbase One Card40
- Travel score
- Tuyo Card42Coinbase One Card60
- Funds control score
- Tuyo Card100Coinbase One Card36
- Lowest fees score
- Tuyo Card71Coinbase One Card58
- Transfers score
- Tuyo Card72Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Tuyo Card$0Coinbase One Card$49.99/year
- FX fee
- Tuyo Card1–3%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Tuyo CardNot disclosedCoinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Tuyo Card0%Coinbase One CardNot disclosed
- ATM fee
- Tuyo CardNot availableCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Tuyo CardFreeCoinbase One CardNot disclosed
- Physical card
- Tuyo CardComing soon; not currently availableCoinbase One CardNot disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Tuyo CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Tuyo CardVisaCoinbase One CardAmerican Express
- Card formats
- Tuyo CardVirtualCoinbase One CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableCoinbase One CardNot disclosed
- Mobile wallets
- Tuyo CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Coinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Coinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Coinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonCoinbase One CardNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCCoinbase One CardNot disclosed
- Fiat deposits
- Tuyo CardVirtual-account receivingCoinbase One CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersCoinbase One CardNot disclosed
- Payout currencies
- Tuyo CardNot disclosedCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Coinbase One Card2%
- Max cashback
- Tuyo Card100%Coinbase One Card4%
- Reward currency
- Tuyo CardUSDCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYCoinbase One CardUp to 3.5% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultCoinbase One CardBorrow against collateral
- Separate deposit
- Tuyo CardYesCoinbase One CardNo
- Use balance for spending
- Tuyo CardYesCoinbase One CardNo
- Lock-up
- Tuyo CardNot disclosedCoinbase One CardYes
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyCoinbase One CardCustodial
- Control until payment
- Tuyo CardYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalCoinbase One CardFirst Electronic Bank
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Coinbase One CardNot disclosed
- Custody / key management
- Tuyo CardNot disclosedCoinbase One CardCoinbase, Inc.
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Coinbase One CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedCoinbase One CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Coinbase One Card23
- Last reviewed
- Tuyo CardAug 5, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 56 for Coinbase One Card. Tuyo Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Tuyo Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tuyo Card lists more stablecoins and ways to send money out (2 vs 0). 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 Coinbase One Card reviews first.
Continue with
Tuyo Card
Continue with
Coinbase One Card
05 · Common questions
Tuyo vs Coinbase One FAQ
Is Tuyo or Coinbase One better overall?
Tuyo Card has the higher Overall Score (74 vs 56). 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 Coinbase One?
Tuyo Card has the lower starting plan cost ($0 vs $49.99/year). 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 Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% 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 Coinbase One differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Coinbase One Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Coinbase One comparison?
The latest information check for these two cards was September 5, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.