Tuyo Card vs MetaMask Card: 2026 Comparison
Comparing Tuyo Card and MetaMask Card on fees, cashback, custody, and where each card is available.
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The short version:
MetaMask rates 4.5/5, ahead of Tuyo at 3.9/5. The gap is 0.6 of a point: a few line items in the formula, not a different class of card. What moves the score for MetaMask: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused).
Tuyo:
MetaMask:
Side by side
| Feature | Tuyo Card 3.9 out of 5, Sweepbase rating Get card Tuyo Card | MetaMask Card 4.5 out of 5, Sweepbase rating Get card MetaMask Card |
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual; Metal Physical. New US and UK sign-ups paused, no date given |
| Network | Visa | Mastercard Debit |
| Custody | Strength: Self-custody | Strength: Self-custody |
| Costs | ||
| Issuance fee | Strength: Free | Strength: Free |
| Annual fee | Strength: Free | Strength: Free |
| FX fee | Up 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
| Cross-border fee 1% on the Free tier, defined by merchant location…The fine print
|
| Rewards | ||
| Cashback | Strength: Crypto rewards | Strength: 1% (3% Metal, paused) |
| Yield on spendable balance | Strength: Yes | Strength: Yes |
| Access | ||
| Apple / Google Pay | Strength: Yes (Apple Pay; Google Pay) | Strength: Yes (Apple Pay; Google Pay) |
| Bank account in your name | Strength: Virtual accounts via Bridge: EUR IBAN takes SEPAThe fine print
| No |
| Daily spend limit | Up to $50,000 a day for new cards, rising to $100,000 after $50,000 of total purchases and to $200,000 after $100,000The fine print
| $10,000 per transaction and $15,000 a day on the Free tier; $20,000 and $30,000 on Metal |
| 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 PIN | Not available to new cardholders: virtual cards outside the US cannot withdraw cash…The fine print
|
| Top-up methods | USDC 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 USDC | mUSD, USDC, USDT, wETH, EURe and GBPe on Linea; USDC and USDT on Solana and Base; USDC on Monad |
| Regions | Worldwide except the United Kingdom, India, Israel, Nigeria, Turkey, Ukraine, Vietnam and other listed countries; state limits apply inside the United States | 47 countries on the help centre: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra…The fine print
|
| Behind the card | ||
| Card issuer | Third 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 terms | Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania); Cross River Bank, USA (New Jersey state-chartered)Named in the card terms; Cross River Bank is inferred |
| Our read | ||
| Strengths |
|
|
| Trade-offs | Nothing flagged by these checks | Nothing flagged by these checks |
Which scores higher
Nothing in the formula favours Tuyo over MetaMask. What the formula cannot see is where you live and what you spend on: if Tuyo is sold in your country and MetaMask is not, that settles it, and the Regions row above is where to check.
Tuyo vs MetaMask: FAQ
MetaMask Card scores higher on the Sweepbase formula, at 4.5/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback (3% Metal, paused). 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… MetaMask Card: issuance Free, annual Free, FX Cross-border fee 1% on the Free tier, defined by merchant… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.
Tuyo Card: Crypto rewards. MetaMask Card: 1% cashback (3% Metal, paused). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Tuyo Card: Self-custody. MetaMask Card: Self-custody. 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. MetaMask Card supports Apple Pay and Google Pay.
Tuyo Card: Worldwide except UK. MetaMask Card: 47 countries. Check each card's detail page for the full country list.