TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Oobit: same score, different trade-offs
Tuyo Card and Oobit Card share an Overall Score of 74. Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while Oobit Card comes out ahead for Cashback and Travel.
Information checked Oct 6, 202628 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Tuyo Card and Oobit Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallTuyo74Oobit74Same score
CashbackTuyo39Oobit70Higher score
TravelTuyo42Oobit55Higher score
Funds controlTuyo100Oobit78Higher score
Lowest feesTuyo71Oobit59Higher score
TransfersTuyo72Oobit65Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control, Lowest fees, and Transfers 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 Oobit Card if cashback and travel matter most
Oobit Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Tuyo74Oobit74
Both cards have the same displayed Overall Score of 74.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXOobit$0 plan · Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice FX
Oobit Card has the lower published FX fee (Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Oobit5% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- TuyoSelf-controlled walletOobitHybrid custody
Tuyo Card uses a self-controlled wallet setup, while Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayOobitVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersOobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payout
Oobit Card lists more stablecoins and ways to send money out (6 vs 2).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- 5%-10%
- Plan cost
- $0
- FX fee
- Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 fiat
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsTuyo CardOverall74Oobit CardOverall74
Tuyo CardOverall74Oobit CardOverall74Scores
6 fields- Overall Score
- Tuyo Card74Oobit Card74
- Cashback score
- Tuyo Card39Oobit Card70
- Travel score
- Tuyo Card42Oobit Card55
- Funds control score
- Tuyo Card100Oobit Card78
- Lowest fees score
- Tuyo Card71Oobit Card59
- Transfers score
- Tuyo Card72Oobit Card65
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsOobit CardConnected-wallet spending, Phone wallets and contactless ATM
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessOobit CardEvery payment carries a provider fee, Physical card is unclear
Costs
7 fields- Plan cost
- Tuyo Card$0Oobit Card$0
- FX fee
- Tuyo Card1–3%Oobit CardUp to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice
- Top-up fee
- Tuyo CardNot disclosedOobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by route
- Card spending fee
- Tuyo Card0%Oobit Card$0.25 + 1%
- ATM fee
- Tuyo CardNot availableOobit Card2.5% Oobit fee plus any contactless ATM operator surcharge
- Virtual card
- Tuyo CardFreeOobit CardFree
- Physical card
- Tuyo CardComing soon; not currently availableOobit CardNot disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedOobit CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedOobit CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaOobit CardVisa
- Card formats
- Tuyo CardVirtualOobit CardVirtual
- ATM withdrawals
- Tuyo CardNot availableOobit CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayOobit CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidOobit CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Oobit Card$10,000 daily card-spend limit; account-specific controls may be lower
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Oobit CardNo universal monthly card-spend limit published
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hours
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonOobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tuyo CardStablecoins: USDCOobit CardNot disclosed
- Fiat deposits
- Tuyo CardVirtual-account receivingOobit CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersOobit CardOobit Pay Friends; Crypto-to-bank payout
- Payout currencies
- Tuyo CardNot disclosedOobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4
Rewards
3 fields- Base cashback
- Tuyo Card0%Oobit Card5%
- Max cashback
- Tuyo Card100%Oobit Card10%
- Reward currency
- Tuyo CardUSDOobit CardStablecoin rewards or OOB token
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYOobit CardNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultOobit CardNot offered
- Separate deposit
- Tuyo CardYesOobit CardNot offered
- Use balance for spending
- Tuyo CardYesOobit CardNot offered
- Lock-up
- Tuyo CardNot disclosedOobit CardNot offered
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyOobit CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlOobit CardYou keep control
- Card issuer
- Tuyo CardThird NationalOobit CardThirdNational
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Oobit CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Oobit CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedOobit CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Oobit Card16
- Last reviewed
- Tuyo CardAug 5, 2026Oobit CardOct 6, 2026
04 · The closer call
Tuyo Card and Oobit Card need a closer personal call
The Overall Score ends level at 74, so there is no honest all-round winner here. Oobit Card has the lower published FX fee (Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice vs 1–3%). Oobit Card has the higher published base cashback rate (5% vs 0%).
Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while Oobit Card comes out ahead for Cashback and Travel. Tuyo Card uses a self-controlled wallet setup, while Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Oobit Card lists more stablecoins and ways to send money out (6 vs 2). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 Oobit Card reviews first.
Continue with
Tuyo Card
Continue with
Oobit Card
05 · Common questions
Tuyo vs Oobit FAQ
Is Tuyo or Oobit better overall?
Tuyo Card and Oobit Card tie at 74 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Tuyo or Oobit?
Oobit Card has the lower published FX fee (Up to 1.5% foreign-currency fee under Spend Card Terms, plus Visa's conversion rate; Brazil follows local IOF/FX terms. Do not count the foreign-transaction wording twice 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 Oobit?
Oobit Card has the higher published base cashback rate (5% 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 Oobit differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Oobit Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Oobit comparison?
The latest information check for these two cards was October 6, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.