TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Tangem: overall score versus use-case fit
Tangem Card has the higher Overall Score by 3 points (77 vs 74). Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while Tangem Card comes out ahead for Cashback and Travel.
Information checked Oct 11, 202632 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Tuyo Card may be the better fit for Funds control, Lowest fees, 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.
OverallTuyo74Tangem77Higher score
CashbackTuyo39Tangem73Higher score
TravelTuyo42Tangem63Higher score
Funds controlTuyo100Tangem87Higher score
Lowest feesTuyo71Tangem52Higher score
TransfersTuyo72Tangem65Higher 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 Tangem Card if cashback and travel matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard 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
- Tuyo74Tangem77
Tangem Card has the higher Overall Score by 3 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%Tangem1% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 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 + Physical · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersTangem2 stablecoins · Stablecoin transfers
Tangem Card lists more stablecoins and ways to send money out (3 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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall74Tangem CardOverall77
Tuyo CardOverall74Tangem CardOverall77Scores
6 fields- Overall Score
- Tuyo Card74Tangem Card77
- Cashback score
- Tuyo Card39Tangem Card73
- Travel score
- Tuyo Card42Tangem Card63
- Funds control score
- Tuyo Card100Tangem Card87
- Lowest fees score
- Tuyo Card71Tangem Card52
- Transfers score
- Tuyo Card72Tangem Card65
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 CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
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 CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Tuyo Card0%Tangem Card0%
- ATM fee
- Tuyo CardNot availableTangem Card2–4%
- Virtual card
- Tuyo CardFreeTangem Card$0 for the first virtual card
- Physical card
- Tuyo CardComing soon; not currently availableTangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Tuyo CardNot disclosedTangem Card2 plans: Basic, Plus
- Top cashback plan
- Tuyo CardNot disclosedTangem CardPlus: 2%
Everyday use
8 fields- Network
- Tuyo CardVisaTangem CardVisa
- Card formats
- Tuyo CardVirtualTangem CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableTangem CardAvailable
- 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: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- 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 Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Tuyo CardStablecoins: USDCTangem CardStablecoins: USDC, USDT
- Fiat deposits
- Tuyo CardVirtual-account receivingTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Tuyo CardStablecoin transfersTangem CardStablecoin transfers
- Payout currencies
- Tuyo CardNot disclosedTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Tangem Card1%
- Max cashback
- Tuyo Card100%Tangem Card2%
- Reward currency
- Tuyo CardUSDTangem CardUSDC
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 Card20
- Last reviewed
- Tuyo CardAug 5, 2026Tangem CardOct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 74 for Tuyo Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Tuyo Card still comes out ahead for Funds control, Lowest fees, 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 Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tangem Card lists more stablecoins and ways to send money out (3 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 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?
Tangem Card has the higher Overall Score (77 vs 74). 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?
Tangem Card has the higher published base cashback rate (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 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 October 11, 2026, using 32 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.