TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Whop: 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 and Lowest fees, while Whop Card comes out ahead for Travel and Transfers.
Information checked Aug 11, 202632 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. Whop Card may be the better fit for Travel 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.
OverallTuyo74Whop67Higher score
CashbackTuyo39Whop39Same score
TravelTuyo42Whop57Higher score
Funds controlTuyo100Whop74Higher score
Lowest feesTuyo71Whop56Higher score
TransfersTuyo72Whop92Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control and Lowest fees 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 Whop Card if travel and transfers matter most
Whop Card comes out ahead for Travel and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend Whop revenue before bank payout
- Five percent in three business categories
- Team controls and phone-wallet support
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
- Tuyo74Whop67
Tuyo Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXWhopNot verified plan · 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed FX
Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Whop0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletWhopHybrid custody
Tuyo Card uses a self-controlled wallet setup, while Whop 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 PayWhopVirtual + Physical · Apple Pay, Google Pay
Whop Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersWhop2 stablecoins · Stablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
Whop Card lists more stablecoins and ways to send money out (8 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
- 0%-5%
- Plan cost
- Not disclosed
- FX fee
- 1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- ATM fee
- ATM access, issuer fee and limit are not separately confirmed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 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 CardOverall74Whop CardOverall67
Tuyo CardOverall74Whop CardOverall67Scores
6 fields- Overall Score
- Tuyo Card74Whop Card67
- Cashback score
- Tuyo Card39Whop Card39
- Travel score
- Tuyo Card42Whop Card57
- Funds control score
- Tuyo Card100Whop Card74
- Lowest fees score
- Tuyo Card71Whop Card56
- Transfers score
- Tuyo Card72Whop Card92
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsWhop CardSpend Whop revenue before bank payout, Five percent in three business categories
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclear
Costs
7 fields- Plan cost
- Tuyo Card$0Whop CardNot disclosed
- FX fee
- Tuyo Card1–3%Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- Top-up fee
- Tuyo CardNot disclosedWhop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
- Card spending fee
- Tuyo Card0%Whop Card0%
- ATM fee
- Tuyo CardNot availableWhop CardATM access, issuer fee and limit are not separately confirmed
- Virtual card
- Tuyo CardFreeWhop CardNot disclosed
- Physical card
- Tuyo CardComing soon; not currently availableWhop CardNot disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedWhop CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedWhop CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaWhop CardVisa
- Card formats
- Tuyo CardVirtualWhop CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableWhop CardNot disclosed
- Mobile wallets
- Tuyo CardApple Pay, Google PayWhop CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidWhop CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is published
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limit
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Whop CardATM access and numeric withdrawal limits are unclear
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonWhop CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tuyo CardStablecoins: USDCWhop CardStablecoins: USDT
- Fiat deposits
- Tuyo CardVirtual-account receivingWhop CardStored payment method top-up, Dynamic bank deposit instructions
- Transfers
- Tuyo CardStablecoin transfersWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
- Payout currencies
- Tuyo CardNot disclosedWhop CardUSD
Rewards
3 fields- Base cashback
- Tuyo Card0%Whop Card0%
- Max cashback
- Tuyo Card100%Whop Card5%
- Reward currency
- Tuyo CardUSDWhop CardWhop account cash-back credit
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYWhop CardUp to 6% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultWhop CardOptional earn vault
- Separate deposit
- Tuyo CardYesWhop CardNo
- Use balance for spending
- Tuyo CardYesWhop CardNot disclosed
- Lock-up
- Tuyo CardNot disclosedWhop CardNo
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyWhop CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlWhop CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalWhop CardThird National
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Whop CardNot disclosed
- Custody / key management
- Tuyo CardNot disclosedWhop CardPrivy
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Whop CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedWhop CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Whop Card20
- Last reviewed
- Tuyo CardAug 5, 2026Whop CardAug 11, 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 Whop Card. Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 1–3%). Both cards show the same base cashback rate of 0%.
Whop Card still comes out ahead for Travel 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 Whop Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Whop Card lists more stablecoins and ways to send money out (8 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 Whop Card reviews first.
Continue with
Tuyo Card
Continue with
Whop Card
05 · Common questions
Tuyo vs Whop FAQ
Is Tuyo or Whop 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 Whop?
Whop Card has the lower published FX fee (1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed vs 1–3%). 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 Whop?
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 Whop differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Whop 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 Whop comparison?
The latest information check for these two cards was August 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.