TuyoTuyo
76
Side-by-side card comparison
Tuyo vs Decaf
Tuyo Card has the higher Overall Score by 12 points (76 vs 64). Tuyo Card also looks stronger for Cashback, Travel, Funds control, and Lowest fees. The details below show where Decaf Card may still be the better personal fit.
Latest check Oct 19, 202633 official sources reviewed
Tuyo Card
Best fit
- Spending from a self-custody USD account through a virtual Visa.
- Moving between bank transfers, crypto and card spending in one account.
- Using optional, variable Cash interest without withdrawing before spending.
Before you choose
- 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.
- Euros must be converted to USD before spending; a physical card is not live.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsTuyo CardOverall76Decaf CardOverall64
Tuyo CardOverall76Decaf CardOverall64Scores
- Overall Score
- Tuyo Card76Decaf Card64
- Cashback score
- Tuyo Card40Decaf Card29
- Travel score
- Tuyo Card69Decaf Card60
- Funds control score
- Tuyo Card100Decaf Card63
- Lowest fees score
- Tuyo Card70Decaf Card57
- Transfers score
- Tuyo Card70Decaf Card70
Costs
- Plan cost
- Tuyo Card$0Decaf Card$0
- FX fee
- Tuyo Card1–2%Decaf Card1–2%
- Top-up fee
- Tuyo CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Tuyo Card0%Decaf CardNot disclosed
- ATM fee
- Tuyo CardOperator/bank charges may apply; included within the $250 withdrawal maximumDecaf Card0% Decaf markup
- Virtual card
- Tuyo CardFreeDecaf Card$5
- Physical card
- Tuyo CardComing soon; not currently availableDecaf Card$90 international / $10 US
Plans
- Available plans
- Tuyo CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Tuyo CardVisaDecaf CardVisa
- Card formats
- Tuyo CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Tuyo CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Tuyo CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Tuyo CardNew cards: up to $50,000/day; can rise to $100,000 after $50,000 cumulative purchases and $200,000 after $100,000Decaf CardNot disclosed
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Decaf CardNot disclosed
- ATM limit
- Tuyo Card$250 per withdrawal including operator surcharge; at most 3 attempts in any rolling 24 hours, including declinesDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Tuyo CardEthereum, Base, Arbitrum, BNB Smart Chain, PolygonDecaf CardSolana, Stellar
- Crypto deposits
- Tuyo CardStablecoins: USDCDecaf CardStablecoins: USDC
- Fiat deposits
- Tuyo CardVirtual-account receivingDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Tuyo CardStablecoin transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Tuyo CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Tuyo Card0%Decaf CardNot disclosed
- Max cashback
- Tuyo Card100%Decaf CardNot disclosed
- Reward currency
- Tuyo CardUSDDecaf CardNot disclosed
Earn
- Advertised APY
- Tuyo CardNot disclosedDecaf CardNot disclosed
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Tuyo CardYesDecaf CardYes
- Use balance for spending
- Tuyo CardYesDecaf CardNot disclosed
- Lock-up
- Tuyo CardNot disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- Tuyo CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Tuyo CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Tuyo CardThird NationalDecaf CardThird National, Inc.
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Decaf CardRain
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Decaf CardMoneyGram
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedDecaf CardNot disclosed
Sources
- Official sources
- Tuyo Card12Decaf Card21
- Last reviewed
- Tuyo CardOct 16, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Tuyo or Decaf
Paying with a physical card
Decaf offers a physical card, while Tuyo does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Matching the card to your plans
Tuyo: Spending from a self-custody USD account through a virtual Visa. Decaf: Spending USDC received on Solana or Stellar through a separate card load.
Common questions
Tuyo vs Decaf FAQ
Is Tuyo or Decaf better overall?
Tuyo Card has the higher Overall Score (76 vs 64). 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 Decaf?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tuyo and Decaf differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.