TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Pionex: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 17 points (74 vs 57). Tuyo Card looks stronger for Travel, Funds control, and Lowest fees, while Pionex Card comes out ahead for Cashback and Transfers.
Information checked Aug 14, 202671 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. Pionex Card may be the better fit for Cashback 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.
OverallTuyo74Pionex57Higher score
CashbackTuyo39Pionex52Higher score
TravelTuyo42Pionex29Higher score
Funds controlTuyo100Pionex43Higher score
Lowest feesTuyo71Pionex58Higher score
TransfersTuyo72Pionex79Higher score
Choose Tuyo Card if travel and funds control matter most
Tuyo Card comes out ahead for 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 Pionex Card if cashback and transfers matter most
Pionex Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Tuyo74Pionex57
Tuyo Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXPionex$0 plan · Not disclosed 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%Pionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- TuyoSelf-controlled walletPionexCustodial balance
Tuyo Card uses a self-controlled wallet setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayPionexVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Pionex Card lists more stablecoins and ways to send money out (4 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall74Pionex CardOverall57
Tuyo CardOverall74Pionex CardOverall57Scores
6 fields- Overall Score
- Tuyo Card74Pionex Card57
- Cashback score
- Tuyo Card39Pionex Card52
- Travel score
- Tuyo Card42Pionex Card29
- Funds control score
- Tuyo Card100Pionex Card43
- Lowest fees score
- Tuyo Card71Pionex Card58
- Transfers score
- Tuyo Card72Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Tuyo Card$0Pionex Card$0
- FX fee
- Tuyo Card1–3%Pionex CardNot disclosed
- Top-up fee
- Tuyo CardNot disclosedPionex CardNot disclosed
- Card spending fee
- Tuyo Card0%Pionex Card3.5%
- ATM fee
- Tuyo CardNot availablePionex CardNot available
- Virtual card
- Tuyo CardFreePionex CardAvailable
- Physical card
- Tuyo CardComing soon; not currently availablePionex CardNot available
Plans
2 fields- Available plans
- Tuyo CardNot disclosedPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Tuyo CardNot disclosedPionex CardVisa: 1%
Everyday use
8 fields- Network
- Tuyo CardVisaPionex CardVisa/Mastercard
- Card formats
- Tuyo CardVirtualPionex CardVirtual
- ATM withdrawals
- Tuyo CardNot availablePionex CardNot available
- Mobile wallets
- Tuyo CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Pionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Pionex Card$50,000-$100,000/month depending on network
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Pionex CardNot available
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonPionex CardNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCPionex CardOther crypto: Supported crypto
- Fiat deposits
- Tuyo CardVirtual-account receivingPionex CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Tuyo CardNot disclosedPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Pionex Card0.1%
- Max cashback
- Tuyo Card100%Pionex Card1%
- Reward currency
- Tuyo CardUSDPionex CardUSDT
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYPionex CardUp to 5% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultPionex CardEarn on spending balance
- Separate deposit
- Tuyo CardYesPionex CardNo
- Use balance for spending
- Tuyo CardYesPionex CardYes
- Lock-up
- Tuyo CardNot disclosedPionex CardNo
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyPionex CardCustodial
- Control until payment
- Tuyo CardYou keep controlPionex CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalPionex CardNot disclosed
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Pionex CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Pionex CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedPionex CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Pionex Card59
- Last reviewed
- Tuyo CardAug 5, 2026Pionex CardAug 14, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback and Transfers, 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 Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Pionex Card lists more stablecoins and ways to send money out (4 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 Pionex Card reviews first.
Continue with
Tuyo Card
Continue with
Pionex Card
05 · Common questions
Tuyo vs Pionex FAQ
Is Tuyo or Pionex better overall?
Tuyo Card has the higher Overall Score (74 vs 57). 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 Pionex?
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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Pionex comparison?
The latest information check for these two cards was August 14, 2026, using 71 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.