TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Spritz: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 12 points (74 vs 62). Tuyo Card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Travel.
Information checked Aug 28, 202653 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. Spritz Card may be the better fit for 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.
OverallTuyo74Spritz62Higher score
CashbackTuyo39Spritz34Higher score
TravelTuyo42Spritz46Higher score
Funds controlTuyo100Spritz62Higher score
Lowest feesTuyo71Spritz44Higher score
TransfersTuyo72Spritz64Higher score
Choose Tuyo Card if cashback and funds control matter most
Tuyo Card comes out ahead for Cashback, 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 Spritz Card if travel matters most
Spritz Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Tuyo74Spritz62
Tuyo Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletSpritzHybrid custody
Tuyo Card uses a self-controlled wallet setup, while Spritz 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 PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Tuyo Card lists more stablecoins and ways to send money out (2 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall74Spritz CardOverall62
Tuyo CardOverall74Spritz CardOverall62Scores
6 fields- Overall Score
- Tuyo Card74Spritz Card62
- Cashback score
- Tuyo Card39Spritz Card34
- Travel score
- Tuyo Card42Spritz Card46
- Funds control score
- Tuyo Card100Spritz Card62
- Lowest fees score
- Tuyo Card71Spritz Card44
- Transfers score
- Tuyo Card72Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Tuyo Card$0Spritz Card$0
- FX fee
- Tuyo Card1–3%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Tuyo CardNot disclosedSpritz Card1–3%
- Card spending fee
- Tuyo Card0%Spritz Card0%
- ATM fee
- Tuyo CardNot availableSpritz CardNot disclosed
- Virtual card
- Tuyo CardFreeSpritz CardNot disclosed
- Physical card
- Tuyo CardComing soon; not currently availableSpritz CardNot disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaSpritz CardVisa
- Card formats
- Tuyo CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableSpritz CardNot disclosed
- Mobile wallets
- Tuyo CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Spritz CardNo provider-published daily spend cap
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Spritz CardNot disclosed
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Spritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Tuyo CardStablecoins: USDCSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Tuyo CardVirtual-account receivingSpritz CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Tuyo CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Tuyo Card0%Spritz Card0%
- Max cashback
- Tuyo Card100%Spritz Card5%
- Reward currency
- Tuyo CardUSDSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYSpritz CardNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultSpritz CardNot offered
- Separate deposit
- Tuyo CardYesSpritz CardNot offered
- Use balance for spending
- Tuyo CardYesSpritz CardNot offered
- Lock-up
- Tuyo CardNot disclosedSpritz CardNot offered
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodySpritz CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalSpritz CardNot disclosed
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Spritz CardRain
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Spritz CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedSpritz CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Spritz Card41
- Last reviewed
- Tuyo CardAug 5, 2026Spritz CardAug 28, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 62 for Spritz 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%.
Spritz Card still comes out ahead for 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 Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tuyo Card lists more stablecoins and ways to send money out (2 vs 1). 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 Spritz Card reviews first.
Continue with
Tuyo Card
Continue with
Spritz Card
05 · Common questions
Tuyo vs Spritz FAQ
Is Tuyo or Spritz better overall?
Tuyo Card has the higher Overall Score (74 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Spritz 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 Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.