TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Oobit: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 2 points (74 vs 72). Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while Oobit Card comes out ahead for Cashback and Travel.
Information checked Aug 12, 202628 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. Oobit Card may be the better fit for Cashback and Travel. 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.
OverallTuyo74Oobit72Higher score
CashbackTuyo39Oobit68Higher score
TravelTuyo42Oobit45Higher score
Funds controlTuyo100Oobit77Higher score
Lowest feesTuyo71Oobit51Higher score
TransfersTuyo72Oobit64Higher 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 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
- Tuyo74Oobit72
Tuyo Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXOobit$0 plan · 3% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- 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 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- 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
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 CardOverall74Oobit CardOverall72
Tuyo CardOverall74Oobit CardOverall72Scores
6 fields- Overall Score
- Tuyo Card74Oobit Card72
- Cashback score
- Tuyo Card39Oobit Card68
- Travel score
- Tuyo Card42Oobit Card45
- Funds control score
- Tuyo Card100Oobit Card77
- Lowest fees score
- Tuyo Card71Oobit Card51
- Transfers score
- Tuyo Card72Oobit Card64
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 Card3%
- 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 CardAug 12, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 72 for Oobit Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Oobit Card has the higher published base cashback rate (5% vs 0%).
Oobit Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. 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). 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 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 has the higher Overall Score (74 vs 72). 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 Oobit?
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 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 August 12, 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.