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Tuyo Card vs Binance Card: 2026 Comparison

Comparing Tuyo Card and Binance Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Tuyo rates 3.9/5, ahead of Binance at 3.4/5. The gap is 0.5 of a point: a few line items in the formula, not a different class of card. What moves the score for Tuyo: self-custody, no issuance or annual fee, crypto rewards.

Tuyo:
Binance:

Side by side

Side-by-side comparison of Tuyo Card, Binance Card. Scroll horizontally to see all columns.
Feature

Tuyo Card 3.9 out of 5, Sweepbase rating

Get card Tuyo Card

Binance Card 3.4 out of 5, Sweepbase rating

Get card Binance Card
Overview
Card typeVirtualVirtual + Physical
NetworkVisaMastercard Prepaid
Custody Strength: Self-custodyCustodial
Costs
Issuance fee Strength: Free Strength: Free
Annual fee Strength: Free Strength: Free
FX feeUp to 2% on a purchase in a currency other than USD made outside the US: a 1% FX fee plus a 1% abroad fee from the card…
The fine print
  • … provider, and 1% when only one of them applies
  • USD purchases inside the US 0%
1-2% FX on non-BRL purchases with the Brazil card, plus 0.9% crypto-to-fiat conversion
The fine print
  • The Argentina programme charges 6-7% FX plus Argentine taxes, and the Immersve Global Program 2% (New Zealand 3%) since the 1 June 2026 update
Rewards
Cashback Strength: Crypto rewards Strength: Up to 3% (Brazil)
Yield on spendable balance Strength: YesNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay)Yes
Bank account in your name Strength: Virtual accounts via Bridge: EUR IBAN takes SEPA
The fine print
  • USD account takes ACH and wire, SWIFT deposits are returned
  • MXN where eligible
  • Not available to New York residents
No
Daily spend limitUp to $50,000 a day for new cards, rising to $100,000 after $50,000 of total purchases and to $200,000 after $100,000
The fine print
  • Changeable in the app after the first purchase
Brazil card: 25,000 BRL a day at every verification level, 50,000 to 150,000 BRL a month and 200,000 to 600,000 BRL a year by level
ATM withdrawal limit$250 per withdrawal including any ATM surcharge; at most 3 ATM attempts in a rolling 24 hours, declined attempts included; Visa ATMs, virtual card with PINBrazil card: two free ATM withdrawals a month, then 1.5 USD each
The fine print
  • Up to 3 a day and 30 a month, 3,000 to 7,000 BRL a day and 25,000 to 50,000 BRL a month by verification level
Top-up methodsUSDC on Base in the Cash section; other tokens and networks converted to USDC on Base in the app; USD, EUR and MXN bank deposits converted to USDCBTC, BNB, USDT and 10+ major cryptos
RegionsWorldwide except the United Kingdom, India, Israel, Nigeria, Turkey, Ukraine, Vietnam and other listed countries; state limits apply inside the United StatesThree programmes
The fine print
  • Brazil and Argentina are local programmes whose FAQs say "Currently we support: Brazil" and "Currently we support: Argentina" respectively
  • Everything else is the Immersve "Global Program": the binance.com/en/cards region selector offers LATAM, CIS, MEA, Australia, New Zealand and APAC, the last four naming no country
  • The fee article's column headers name Colombia, Peru, some CIS region, Armenia and New Zealand, and Australia and Mexico appear in support-article titles
  • Binance publishes no full list: "Eligibility is confirmed at the time of the card application"
  • Not offered in the US or the UK
  • The countries column carries the remaining exclusion
Behind the card
Card issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card termsPomelo S.A., Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • Cashback: Crypto rewards
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • No issuance or annual fee
  • Cashback: Up to 3% (Brazil)
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Nothing in the formula favours Binance over Tuyo. What the formula cannot see is where you live and what you spend on: if Binance is sold in your country and Tuyo is not, that settles it, and the Regions row above is where to check.

Get Tuyo Card

Tuyo vs Binance: FAQ

Tuyo Card scores higher on the Sweepbase formula, at 3.9/5. What moves the score: self-custody, no issuance or annual fee, crypto rewards. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Tuyo Card: issuance Free, annual Free, FX Up to 2% on a purchase in a currency other than USD made… Binance Card: issuance Free, annual Free, 1-2% FX on non-BRL purchases with the Brazil card, plus… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Tuyo Card: Crypto rewards. Binance Card: Up to 3% cashback (Brazil). Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Tuyo Card: Self-custody. Binance Card: Custodial. Tuyo Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Tuyo Card supports Apple Pay and Google Pay. Apple Pay is not confirmed for Binance Card.

Tuyo Card: Worldwide except UK. Binance Card: several regions. Check each card's detail page for the full country list.

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