Side-by-side comparison of Tuyo Card and Bybit Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Tuyo edges ahead with a 4.4/5 rating compared to Bybit's 3.8/5. While both cards have merit, Tuyo delivers better value for most users.
| Features |  Tuyo Card |  Bybit Card |
|---|---|---|
| Virtual | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Debit | Mastercard; Visa | |
| Free | Free | |
| Free | Free | |
| Standard Visa rates | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion | |
| TUYO rewards tokens (seasonal multipliers; TGE early 2026) | Advertised 2-10% cashback based on VIP level, but the base tier has a strict $10 USDT monthly cashback cap. Even at 2% cashback, you max out at just $500/month in spending before hitting the cap. At typical $2,000/month spending, the effective cashback rate drops to just 0.5% ($10 cap / $2,000). To reach 10%, you need VIP Supreme status, which requires $1M+ in assets or massive trading volume ($1M spot + $10M derivatives in 30 days for VIP 1 alone). No staking required, but the monthly cap makes the high percentage misleading for regular users. Realistic cashback for a typical user: 2% capped at $10/month. | |
| Up to $50000+/day based on verification | €5000/day standard; €20000/day Level 3 | |
| Not available (virtual only; no PIN/ATM access) | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) | |
| US, Spain, select EU and Latin America countries | 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China | |
| Get Tuyo Card | Get Bybit Card |
Tuyo Card is our pick in this matchup. The self-custody model means your crypto stays in your own wallet until the moment of purchase — a critical advantage over Bybit's custodial approach. Full Apple Pay and Google Pay support makes it practical for daily spending. However, Bybit may be better if you need broader regional coverage.
Bottom line: For most crypto card users, Tuyo Card (4.4/5) delivers better overall value than Bybit Card (3.8/5).