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Comparing Tuyo Card and OKX 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: Tuyo at 4.2/5 vs OKX at 4.2/5. Tuyo has a small lead, but which card works better depends on what you need.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual only |
| Network | Visa Debit | Mastercard Debit |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | Standard Visa rates | 0.1% conversion spread (official docs); no transaction or FX fees |
| Rewards | ||
| Cashback | Crypto rewards | 2-4% (VIP tiers) |
| 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 | SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| Daily spend limit | Up to $50000+/day based on verification | Based on verification and tier |
| ATM withdrawal limit | Not available (virtual only; no PIN/ATM access) | Not available (virtual card only) |
| Top-up methods | USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee | USDC, USDG stablecoins from OKX Pay account |
| Regions | US, Spain, select EU and Latin America countries | EEA + Brazil |
| 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)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Tuyo Card | Get OKX Card | |
Tuyo Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike OKX where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, OKX may be better if you need something it does better.
In short: Tuyo Card (4.2/5) is the stronger option for most people compared to OKX Card (4.2/5).
