TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Phantom: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 15 points (74 vs 59). Tuyo Card looks stronger for Cashback, Travel, Funds control, and Lowest fees, while Phantom Card comes out ahead for Transfers.
Information checked Aug 5, 202626 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. Phantom Card may be the better fit for 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.
OverallTuyo74Phantom59Higher score
CashbackTuyo39Phantom14Higher score
TravelTuyo42Phantom25Higher score
Funds controlTuyo100Phantom89Higher score
Lowest feesTuyo71Phantom44Higher score
TransfersTuyo72Phantom88Higher score
Choose Tuyo Card if cashback and travel matter most
Tuyo Card comes out ahead for Cashback, Travel, 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 Phantom Card if transfers matters most
Phantom Card comes out ahead for 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 until settlement
- Apple Pay and Google Pay
- No US purchase fee
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
- Tuyo74Phantom59
Tuyo Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXPhantomNot verified plan · May apply; shown before confirmation 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%Phantom0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletPhantomSelf-controlled wallet
Tuyo Card and Phantom Card use the same self-controlled wallet setup.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayPhantomVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Phantom Card lists more stablecoins and ways to send money out (8 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
- 0%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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 CardOverall74Phantom CardOverall59
Tuyo CardOverall74Phantom CardOverall59Scores
6 fields- Overall Score
- Tuyo Card74Phantom Card59
- Cashback score
- Tuyo Card39Phantom Card14
- Travel score
- Tuyo Card42Phantom Card25
- Funds control score
- Tuyo Card100Phantom Card89
- Lowest fees score
- Tuyo Card71Phantom Card44
- Transfers score
- Tuyo Card72Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsPhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessPhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- Tuyo Card$0Phantom CardNot disclosed
- FX fee
- Tuyo Card1–3%Phantom CardMay apply; shown before confirmation
- Top-up fee
- Tuyo CardNot disclosedPhantom Card0.3–3.5%
- Card spending fee
- Tuyo Card0%Phantom Card0%
- ATM fee
- Tuyo CardNot availablePhantom CardNot available
- Virtual card
- Tuyo CardFreePhantom CardFree virtual card
- Physical card
- Tuyo CardComing soon; not currently availablePhantom CardNot available
Plans
2 fields- Available plans
- Tuyo CardNot disclosedPhantom CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedPhantom CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaPhantom CardVisa
- Card formats
- Tuyo CardVirtualPhantom CardVirtual
- ATM withdrawals
- Tuyo CardNot availablePhantom CardNot available
- Mobile wallets
- Tuyo CardApple Pay, Google PayPhantom CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidPhantom CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Phantom CardMonthly card-spend limit not published
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Phantom CardNot available
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonPhantom CardSolana
- Crypto deposits
- Tuyo CardStablecoins: USDCPhantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- Tuyo CardVirtual-account receivingPhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- Tuyo CardStablecoin transfersPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- Tuyo CardNot disclosedPhantom CardUSD
Rewards
3 fields- Base cashback
- Tuyo Card0%Phantom Card0%
- Max cashback
- Tuyo Card100%Phantom Card0%
- Reward currency
- Tuyo CardUSDPhantom CardNot applicable
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYPhantom CardNot disclosed
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultPhantom CardOptional earn vault
- Separate deposit
- Tuyo CardYesPhantom CardYes
- Use balance for spending
- Tuyo CardYesPhantom CardNo
- Lock-up
- Tuyo CardNot disclosedPhantom CardNot disclosed
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyPhantom CardSelf-custody
- Control until payment
- Tuyo CardYou keep controlPhantom CardYou keep control
- Card issuer
- Tuyo CardThird NationalPhantom CardLead Bank
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Phantom CardBridge Ventures LLC, Galileo
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Phantom CardStripe
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedPhantom CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedPhantom CardLink
Sources
2 fields- Official sources
- Tuyo Card12Phantom Card14
- Last reviewed
- Tuyo CardAug 5, 2026Phantom CardAug 5, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Phantom Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo Card and Phantom Card use the same self-controlled wallet setup.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card reviews first.
Continue with
Tuyo Card
Continue with
Phantom Card
05 · Common questions
Tuyo vs Phantom FAQ
Is Tuyo or Phantom better overall?
Tuyo Card has the higher Overall Score (74 vs 59). 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 Phantom?
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 Phantom?
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 Phantom differ on custody?
Tuyo Card and Phantom Card use the same self-controlled wallet setup.
How current is this Tuyo vs Phantom comparison?
The latest information check for these two cards was August 5, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.