Side-by-side comparison of Tuyo Card and OKX 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 OKX's 3.8/5. While both cards have merit, Tuyo delivers better value for most users.
| Features |  Tuyo Card |  OKX Card |
|---|---|---|
| Virtual | Virtual only | |
| Self-custody | Custodial | |
| Visa Debit | Mastercard Debit | |
| Free | Free | |
| Free | Free | |
| Standard Visa rates | 0.1% conversion spread (official docs); no transaction or FX fees | |
| TUYO rewards tokens (seasonal multipliers; TGE early 2026) | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| Up to $50000+/day based on verification | Based on verification and tier | |
| Not available (virtual only; no PIN/ATM access) | Available with physical card | |
| USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee | USDC, USDG stablecoins from OKX Pay account | |
| US, Spain, select EU and Latin America countries | EEA + Brazil | |
| Get Tuyo Card | Get OKX 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 OKX's custodial approach. Tuyo also lets you earn yield on your deposits, something OKX doesn't offer. Full Apple Pay and Google Pay support makes it practical for daily spending. However, OKX may be better if you have specific feature requirements.
Bottom line: For most crypto card users, Tuyo Card (4.4/5) delivers better overall value than OKX Card (3.8/5).