Tuyo Card vs OKX Card: 2026 Comparison
Comparing Tuyo Card and OKX Card on fees, cashback, custody, and where each card is available.
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The short version:
OKX rates 4.2/5, ahead of Tuyo at 3.9/5. The gap is 0.3 of a point: a few line items in the formula, not a different class of card. What moves the score for OKX: no issuance or annual fee, 2-10% cashback (VIP tiers).
Tuyo:
OKX:
Side by side
| Feature | Tuyo Card 3.9 out of 5, Sweepbase rating Get card Tuyo Card | OKX Card 4.2 out of 5, Sweepbase rating Get card OKX Card |
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual only |
| Network | Visa | Mastercard Debit |
| Custody | Strength: Self-custody | Custodial |
| 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
| 0.1% conversion spread in the EEA, no transaction or FX fee; Brazil has no FX fee or IOF, and buying stablecoins with BRL costs up to 1.5% |
| Rewards | ||
| Cashback | Strength: Crypto rewards | Strength: 2-10% (VIP tiers) |
| 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
| Strength: SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user |
| 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
| Based on verification and tier |
| 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 (virtual card only) |
| 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 | USDC or USDG held in OKX Pay (EEA); USDG, USDC or USDT in OKX Pay, bought with BRL if needed (Brazil) |
| Regions | Worldwide except the United Kingdom, India, Israel, Nigeria, Turkey, Ukraine, Vietnam and other listed countries; state limits apply inside the United States | 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 policyNamed in the card terms | 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 |
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Which scores higher
OKX leads on the formula, but the score is a sum, and Tuyo wins some of its terms: Tuyo is self-custody and OKX is not, so your crypto stays in your own wallet until the moment you spend. If one of those is the thing you care about, read that row above before the score.
Tuyo vs OKX: FAQ
OKX Card scores higher on the Sweepbase formula, at 4.2/5. What moves the score: no issuance or annual fee, 2-10% cashback (VIP tiers). 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… OKX Card: issuance Free, annual Free, 0.1% conversion spread in the EEA, no transaction or FX fee. Neither card charges for issuance or annual membership, so the difference comes down to FX fees.
Tuyo Card: Crypto rewards. OKX Card: 2-10% cashback (VIP tiers). Rates can depend on tier, staking or caps, so check each card's page for the conditions.
Tuyo Card: Self-custody. OKX 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. OKX Card supports Apple Pay and Google Pay.
Tuyo Card: Worldwide except UK. OKX Card: EEA + Brazil. Check each card's detail page for the full country list.