TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Tangem: fees, rewards and account setup
Tuyo Card has the higher Overall Score by 14 points (74 vs 60). Tuyo Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Tangem Card may still be the better personal fit.
Information checked Aug 28, 202630 official sources reviewed
01 · Make the first cut
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Tangem Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallTuyo74Tangem60Higher score
CashbackTuyo39Tangem15Higher score
TravelTuyo42Tangem27Higher score
Funds controlTuyo100Tangem83Higher score
Lowest feesTuyo71Tangem53Higher score
TransfersTuyo72Tangem58Higher score
Choose Tuyo Card if cashback and travel matter most
Tuyo Card comes out ahead for Cashback, Travel, 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 Tangem Card if its day-to-day setup suits you
Tangem Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Tuyo74Tangem60
Tuyo Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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%Tangem0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletTangemHybrid custody
Tuyo Card uses a self-controlled wallet setup, while Tangem 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 PayTangemVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersTangem1 stablecoin · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- 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
03 · Compare the details
Compare 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 CardOverall74Tangem CardOverall60
Tuyo CardOverall74Tangem CardOverall60Scores
6 fields- Overall Score
- Tuyo Card74Tangem Card60
- Cashback score
- Tuyo Card39Tangem Card15
- Travel score
- Tuyo Card42Tangem Card27
- Funds control score
- Tuyo Card100Tangem Card83
- Lowest fees score
- Tuyo Card71Tangem Card53
- Transfers score
- Tuyo Card72Tangem Card58
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessTangem CardNo current cashback, Virtual-only with no ATM access
Costs
7 fields- Plan cost
- Tuyo Card$0Tangem Card$0
- FX fee
- Tuyo Card1–3%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Tuyo CardNot disclosedTangem Card0%
- Card spending fee
- Tuyo Card0%Tangem Card0%
- ATM fee
- Tuyo CardNot availableTangem CardNot available
- Virtual card
- Tuyo CardFreeTangem Card$0 for the first virtual card
- Physical card
- Tuyo CardComing soon; not currently availableTangem CardNot disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedTangem CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedTangem CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaTangem CardVisa
- Card formats
- Tuyo CardVirtualTangem CardVirtual
- ATM withdrawals
- Tuyo CardNot availableTangem CardNot available
- Mobile wallets
- Tuyo CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidTangem CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclear
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Tangem CardATM withdrawals are not currently available
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonTangem CardPolygon
- Crypto deposits
- Tuyo CardStablecoins: USDCTangem CardStablecoins: USDC
- Fiat deposits
- Tuyo CardVirtual-account receivingTangem CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersTangem CardStablecoin transfers
- Payout currencies
- Tuyo CardNot disclosedTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Tangem Card0%
- Max cashback
- Tuyo Card100%Tangem Card0%
- Reward currency
- Tuyo CardUSDTangem CardNo current purchase rewards
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYTangem CardNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultTangem CardNot offered
- Separate deposit
- Tuyo CardYesTangem CardNot offered
- Use balance for spending
- Tuyo CardYesTangem CardNot offered
- Lock-up
- Tuyo CardNot disclosedTangem CardNot offered
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyTangem CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlTangem CardYou keep control
- Card issuer
- Tuyo CardThird NationalTangem CardThird National
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Tangem CardPaera LLC
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Tangem CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedTangem CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedTangem CardSumsub
Sources
2 fields- Official sources
- Tuyo Card12Tangem Card18
- Last reviewed
- Tuyo CardAug 5, 2026Tangem CardAug 28, 2026
04 · The takeaway
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 60 for Tangem 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%.
Tangem Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Tuyo Card uses a self-controlled wallet setup, while Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Tangem Card reviews first.
Continue with
Tuyo Card
Continue with
Tangem Card
05 · Common questions
Tuyo vs Tangem FAQ
Is Tuyo or Tangem better overall?
Tuyo Card has the higher Overall Score (74 vs 60). 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 Tangem?
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 Tangem?
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 Tangem differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Tangem 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 Tangem comparison?
The latest information check for these two cards was August 28, 2026, using 30 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.