TuyoTuyo
76
Side-by-side card comparison
Tuyo vs Uphold US: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 6 points (76 vs 70). Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback and Travel.
Information checked Oct 16, 202625 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. Uphold Card US 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.
OverallTuyo76Uphold US70Higher score
CashbackTuyo40Uphold US75Higher score
TravelTuyo69Uphold US71Higher score
Funds controlTuyo100Uphold US44Higher score
Lowest feesTuyo70Uphold US56Higher score
TransfersTuyo70Uphold US65Higher 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
- USDC funding and optional Cash interest
Choose Uphold Card US if cashback and travel matter most
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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
- Tuyo76Uphold US70
Tuyo Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Tuyo$0 plan · 1–2% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 1–2%).
- Purchase rewards
- Tuyo0% base · up to 100%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- TuyoSelf-controlled walletUphold USCustodial balance
Tuyo Card uses a self-controlled wallet setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersUphold US0 stablecoins · US bank withdrawal
Tuyo 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
- 1–2%
- ATM fee
- Operator/bank charges may apply; included within the $250 withdrawal maximum
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 CardOverall76Uphold Card USOverall70
Tuyo CardOverall76Uphold Card USOverall70Scores
6 fields- Overall Score
- Tuyo Card76Uphold Card US70
- Cashback score
- Tuyo Card40Uphold Card US75
- Travel score
- Tuyo Card69Uphold Card US71
- Funds control score
- Tuyo Card100Uphold Card US44
- Lowest fees score
- Tuyo Card70Uphold Card US56
- Transfers score
- Tuyo Card70Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Tuyo CardReward value is unpredictable, Physical card is still plannedUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Tuyo Card$0Uphold Card US$0
- FX fee
- Tuyo Card1–2%Uphold Card US0–1.5%
- Top-up fee
- Tuyo CardNot disclosedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Tuyo Card0%Uphold Card USNot disclosed
- ATM fee
- Tuyo CardOperator/bank charges may apply; included within the $250 withdrawal maximumUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Tuyo CardFreeUphold Card USFree on both plans
- Physical card
- Tuyo CardComing soon; not currently availableUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Tuyo CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Tuyo CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Tuyo CardVisaUphold Card USVisa
- Card formats
- Tuyo CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Tuyo CardAvailableUphold Card USAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Tuyo CardNew cards: up to $50,000/day; can rise to $100,000 after $50,000 cumulative purchases and $200,000 after $100,000Uphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Uphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Tuyo Card$250 per withdrawal including operator surcharge; at most 3 attempts in any rolling 24 hours, including declinesUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, BNB Smart Chain, PolygonUphold Card USNot disclosed
- Crypto deposits
- Tuyo CardStablecoins: USDCUphold Card USNot disclosed
- Fiat deposits
- Tuyo CardVirtual-account receivingUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Tuyo CardStablecoin transfersUphold Card USUS bank withdrawal
- Payout currencies
- Tuyo CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Tuyo Card0%Uphold Card US2%
- Max cashback
- Tuyo Card100%Uphold Card US4%
- Reward currency
- Tuyo CardUSDUphold Card USXRP
Earn
5 fields- Advertised APY
- Tuyo CardNot disclosedUphold Card USNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultUphold Card USNot offered
- Separate deposit
- Tuyo CardYesUphold Card USNot offered
- Use balance for spending
- Tuyo CardYesUphold Card USNot offered
- Lock-up
- Tuyo CardNot disclosedUphold Card USNot offered
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyUphold Card USCustodial
- Control until payment
- Tuyo CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Tuyo CardThird NationalUphold Card USCross River Bank
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Uphold Card USNot disclosed
- Custody / key management
- Tuyo CardNot disclosedUphold Card USUphold HQ Inc.
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Uphold Card USNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedUphold Card USNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Uphold Card US13
- Last reviewed
- Tuyo CardOct 16, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 76 versus 70 for Uphold Card US. Uphold Card US has the lower published FX fee (0–1.5% vs 1–2%). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Uphold Card US 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 uses a self-controlled wallet setup, while Uphold Card US uses a custodial balance 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 (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 Uphold Card US reviews first.
Continue with
Tuyo Card
Continue with
Uphold Card US
05 · Common questions
Tuyo vs Uphold US FAQ
Is Tuyo or Uphold US better overall?
Tuyo Card has the higher Overall Score (76 vs 70). 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 Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% vs 1–2%). 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% 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 Uphold US differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 16, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.