TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Tria: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 7 points (74 vs 67). Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while Tria Card comes out ahead for Cashback and Travel.
Information checked Aug 25, 202633 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. Tria Card may be the better fit for Cashback and 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.
OverallTuyo74Tria67Higher score
CashbackTuyo39Tria45Higher score
TravelTuyo42Tria62Higher score
Funds controlTuyo100Tria91Higher score
Lowest feesTuyo71Tria51Higher score
TransfersTuyo72Tria63Higher 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 Tria Card if cashback and travel matter most
Tria 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.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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
- Tuyo74Tria67
Tuyo Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXTria$25/year plan · 0–3% FX
Tuyo Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Tuyo0% base · up to 100%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- TuyoSelf-controlled walletTriaSelf-controlled wallet
Tuyo Card and Tria Card use the same self-controlled wallet setup.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayTriaVirtual + Physical · Apple Pay, Google Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersTria2 stablecoins · Stablecoin transfers
Tria 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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 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 CardOverall74Tria CardOverall67
Tuyo CardOverall74Tria CardOverall67Scores
6 fields- Overall Score
- Tuyo Card74Tria Card67
- Cashback score
- Tuyo Card39Tria Card45
- Travel score
- Tuyo Card42Tria Card62
- Funds control score
- Tuyo Card100Tria Card91
- Lowest fees score
- Tuyo Card71Tria Card51
- Transfers score
- Tuyo Card72Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Tuyo Card$0Tria Card$25/year
- FX fee
- Tuyo Card1–3%Tria Card0–3%
- Top-up fee
- Tuyo CardNot disclosedTria Card1%
- Card spending fee
- Tuyo Card0%Tria CardNot disclosed
- ATM fee
- Tuyo CardNot availableTria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Tuyo CardFreeTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Tuyo CardComing soon; not currently availableTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Tuyo CardNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Tuyo CardNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Tuyo CardVisaTria CardVisa
- Card formats
- Tuyo CardVirtualTria CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableTria CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidTria CardiOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Tria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Tuyo CardStablecoins: USDCTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Tuyo CardVirtual-account receivingTria CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersTria CardStablecoin transfers
- Payout currencies
- Tuyo CardNot disclosedTria CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Tria Card1.5%
- Max cashback
- Tuyo Card100%Tria Card6%
- Reward currency
- Tuyo CardUSDTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYTria CardUp to 15% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultTria CardOptional earn vault
- Separate deposit
- Tuyo CardYesTria CardNot disclosed
- Use balance for spending
- Tuyo CardYesTria CardNot disclosed
- Lock-up
- Tuyo CardNot disclosedTria CardNo
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyTria CardSelf-custody
- Control until payment
- Tuyo CardYou keep controlTria CardYou keep control
- Card issuer
- Tuyo CardThird NationalTria CardNimbus, LLC, Third National
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Tria CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Tria CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedTria CardNot disclosed
- Programme operator
- Tuyo CardNot disclosedTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Tuyo Card12Tria Card21
- Last reviewed
- Tuyo CardAug 5, 2026Tria CardAug 25, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 67 for Tria Card. Tuyo Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Tria Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Tuyo Card and Tria Card use the same self-controlled wallet setup.
Tria 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 Tria Card reviews first.
Continue with
Tuyo Card
Continue with
Tria Card
05 · Common questions
Tuyo vs Tria FAQ
Is Tuyo or Tria better overall?
Tuyo Card has the higher Overall Score (74 vs 67). 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 Tria?
Tuyo Card has the lower starting plan cost ($0 vs $25/year). 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 Tria?
Tria Card has the higher published base cashback rate (1.5% 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 Tria differ on custody?
Tuyo Card and Tria Card use the same self-controlled wallet setup.
How current is this Tuyo vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.