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Comparing Tuyo Card and MetaMask Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
These two are close: MetaMask at 4.5/5 vs Tuyo at 4.2/5. MetaMask has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual; Metal Physical |
| Network | Visa Debit | Mastercard Debit |
| Custody | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | Standard Visa rates | 0% foreign transaction fees (Mastercard standard rates only) |
| Rewards | ||
| Cashback | Crypto rewards | Up to 3% |
| Yield on spendable balance | Yes | Yes |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | IBAN yes (Luxembourg via Bridge); USD/EUR/MXN virtual accounts; SEPA implied | No |
| Daily spend limit | Up to $50000+/day based on verification | Based on wallet balance and spending caps |
| ATM withdrawal limit | Not available (virtual only; no PIN/ATM access) | Not disclosed |
| Top-up methods | USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee | USDC, USDT, wETH on Linea network |
| Regions | US, Spain, select EU and Latin America countries | 45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23…45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23 of the 27 EU states plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada and nine Latin American markets. Not available in the USA or in the United Kingdom - new sign-ups are closed in both and MetaMask publishes no date for either pause; existing holders unaffected |
| 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 policyInferred, not stated by the issuer | Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks | Nothing flagged by these checks |
| Get Tuyo Card | Get MetaMask Card | |
MetaMask Card is the better card here. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Tuyo may be better if you prefer self-custody need something it does better.
In short: MetaMask Card (4.5/5) is the stronger option for most people compared to Tuyo Card (4.2/5).
