TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Exa: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 8 points (74 vs 66). Tuyo Card looks stronger for Cashback, Funds control, and Lowest fees, while Exa Card comes out ahead for Travel and Transfers.
Information checked Aug 23, 202643 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. Exa Card may be the better fit for 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.
OverallTuyo74Exa66Higher score
CashbackTuyo39Exa19Higher score
TravelTuyo42Exa61Higher score
Funds controlTuyo100Exa88Higher score
Lowest feesTuyo71Exa67Higher score
TransfersTuyo72Exa97Higher score
Choose Tuyo Card if cashback and funds control matter most
Tuyo Card comes out ahead for Cashback, 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 Exa Card if travel and transfers matter most
Exa Card comes out ahead for 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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
- Tuyo74Exa66
Tuyo Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Exa0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletExaSelf-controlled wallet
Tuyo Card and Exa Card use the same self-controlled wallet setup.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Exa 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 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 CardOverall74Exa CardOverall66
Tuyo CardOverall74Exa CardOverall66Scores
6 fields- Overall Score
- Tuyo Card74Exa Card66
- Cashback score
- Tuyo Card39Exa Card19
- Travel score
- Tuyo Card42Exa Card61
- Funds control score
- Tuyo Card100Exa Card88
- Lowest fees score
- Tuyo Card71Exa Card67
- Transfers score
- Tuyo Card72Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Tuyo Card$0Exa Card$0
- FX fee
- Tuyo Card1–3%Exa Card1.5%
- Top-up fee
- Tuyo CardNot disclosedExa Card1%
- Card spending fee
- Tuyo Card0%Exa CardNot disclosed
- ATM fee
- Tuyo CardNot availableExa Card$1 + 0.65%
- Virtual card
- Tuyo CardFreeExa CardFree with Exa Wallet
- Physical card
- Tuyo CardComing soon; not currently availableExa CardNot available
Plans
2 fields- Available plans
- Tuyo CardNot disclosedExa CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaExa CardVisa
- Card formats
- Tuyo CardVirtualExa CardVirtual
- ATM withdrawals
- Tuyo CardNot availableExa CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Exa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Exa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Exa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonExa CardOptimism
- Crypto deposits
- Tuyo CardStablecoins: USDCExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Tuyo CardVirtual-account receivingExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Tuyo CardStablecoin transfersExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Tuyo CardNot disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Tuyo Card0%Exa Card0%
- Max cashback
- Tuyo Card100%Exa Card0%
- Reward currency
- Tuyo CardUSDExa CardNo cashback
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYExa CardUp to 0.99776% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Tuyo CardYesExa CardNo
- Use balance for spending
- Tuyo CardYesExa CardYes
- Lock-up
- Tuyo CardNot disclosedExa CardNo
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyExa CardSelf-custody
- Control until payment
- Tuyo CardYou keep controlExa CardYou keep control
- Card issuer
- Tuyo CardThird NationalExa CardThird National Bank, Third National
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Exa CardExa Labs SAS
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Exa CardBridge, Manteca
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedExa CardNot disclosed
- Programme operator
- Tuyo CardNot disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- Tuyo Card12Exa Card31
- Last reviewed
- Tuyo CardAug 5, 2026Exa CardAug 23, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 66 for Exa Card. Exa Card has the lower published FX fee (1.5% vs 1–3%). Both cards show the same base cashback rate of 0%.
Exa Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo Card and Exa Card use the same self-controlled wallet setup.
Exa 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 Exa Card reviews first.
Continue with
Tuyo Card
Continue with
Exa Card
05 · Common questions
Tuyo vs Exa FAQ
Is Tuyo or Exa better overall?
Tuyo Card has the higher Overall Score (74 vs 66). 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 Exa?
Exa Card has the lower published FX fee (1.5% 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 Exa?
Both cards show the same base cashback rate of 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 Exa differ on custody?
Tuyo Card and Exa Card use the same self-controlled wallet setup.
How current is this Tuyo vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.