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  5. Tuyo Visa Card
Tuyo Visa Card
Tuyo Visa Card
ID Verification
Virtual Card Visa
9.4
Overall
Get This Card
Tuyo Visa Card logo

Tuyo Visa Card

by Tuyo

Get This Card

Tuyo Visa Card combines self-custody with up to 11% APY on deposits, letting your USDC earn yield until the moment you spend. The zero-fee structure and multi-chain deposits make it competitive for yield-seeking spenders.

Pros

  • +Self-custodial with up to 11% APY on deposits
  • +No issuance fee, monthly fee, or USD transaction fees
  • +Deposit from Ethereum, Base, Arbitrum, Optimism, Polygon
  • +Free transfers between Tuyo users
  • +$10,000 daily spending limit

Cons

  • -USDC only - limited cryptocurrency variety
  • -No ATM withdrawals or PIN support
  • -Virtual card only - physical pending
  • -KYC required for card access
  • -Small FX spread (~1%) on non-USD purchases
9.4/10
OverallExcellent
6.5/10
Community ScoreBased on 112 sources
Lv 3
KYC LevelID Verification

Table of Contents

Card Overview

Tuyo Visa Card
Rewards
Cashback
—
Cashback Crypto
—
Staking Rewards
✓
Staking APR
11%
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
Free
FX Fee
Free
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
Unlimited
Monthly Spend
Unlimited
ATM Withdrawal
Unlimited
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✓
Google Pay
✓
Rewards
Cashback
—
Cashback Crypto
—
Staking Rewards
✓
Staking APR
11%
Welcome Bonus
—
Referral Bonus
—
Fees
Monthly Fee
Free
Card Issuance
Free
ATM Fee
Free
FX Fee
Free
Top-up Fee
Free
Decline Fee
Free
Limits
Daily Spend
Unlimited
Monthly Spend
Unlimited
ATM Withdrawal
Unlimited
Card Info
Card Type
Virtual Card, Physical Card
Card Network
Visa
Apple Pay
✓
Google Pay
✓

KYC Requirements

Level: ID Verification
Email Verification
Required
Phone Verification
Required
Identity Document
Required
Proof of Address
Not Required
Selfie Verification
Not Required

Community Score

6.5/10
Sourced from
@deeper_minded“Something is broken guys. I don’t get a single purchase reimbursed for more than a month. Tuyo is my main card for more than a year. Elite tier. Thinking to switch to normal cashback”@ydslfsdadf“Created account, in last step after KYC it showed me error code and sent me back on login screen On login screen, I'm typing my email and it says the account is already registered: please recover it from backup but the app did not made any backup, I was not able to even see my account Your development team test their applications before pushing them on Google play? I guess no”@Filipe Governa“Froze after completing verification process and before choosing or getting any password. Restarted - same issue. Cleaned cache - same issue. Had to clean data and reinstall. After reinstalling, it doesn't let me create a new account because it says I already have one, but I cannot access it because it requests a password or a non-existent backup I don't have. Had to contact support and wait days for a fix. Forces EUR -> USD conversion and charges 0.5% for it. Removed dark mode (?!).”@Edward Henderson“haven't got to use app but I got a new phone couldn't log in it nvr gave me phrases or back up code that's stupid to not have password options”@polymathwhiz“Bad This is the worst app I’ve ever used. The payments don’t deliver, they have zero support. Such a useless app”@Mark“This app is a scam. When I downloaded it it said on the registration screen my country is eligible and I will be able to order a card. I verified my account and it said my account is approved. It then asked me to deposit money. I deposited 110 USDC. It then said I can't order a card. I contacted support and they told me my country is not eligible. Nonsense”@guppywastaken“So it's like a reverse gacha for your card spending? Every time you spend there's a roll to see if it's free or not? No published odds or anything, looks more like a gimmick that is just going to sell your data.”@seamus“At first they covered a charge every couple purchases. Only around $10. Never more than that. However now that I’ve been using it for a couple months they stopped covering charges entirely. It’s been over a month since they covered a charge. Whereas when I started it would be once a week. Right now the amount that they covered is around 6% cashback. If it goes below 5% then I swill simply go back to using a credit card. Common sense.”@Philtrade07“Lucky! But I don't use my tuyo card in Colombia. Fx charges are heavy!”@Filipe“Android app froze after completing the verification process and before choosing or getting any password or performing any backup. Restarted - same issue. Cleaned cache - same issue. Had to clean data and reinstall. After reinstalling, it doesn't let me create a new account because it says I already have one, but I cannot access it because it requests a password I never chose nor got or a non-existent backup. Had to contact support and wait days for a fix. Forces EUR -> USD conversion and charges 0.50% for it. Otherwise good. Interesting card that randomly refunds your payments.”@dewgongoo“Buggy App The scroll to continue doesn’t work sometimes. Sometimes the app can’t access my camera even though it did a few minutes ago. I do know not trust it with my money. Support is also slow. I can’t link my bank either, so my money is somewhat stuck”@kotisbroken“How to convert USDC to and from USD for free in Canada There’s been a few old posts on this with outdated information so posting this to make it clear: it is now possible to convert between the two currencies for free in Canada. The assumption here is you have USDC or USD and want to convert from one to the other. Use the app Tuyo. Tuyo.com is their official site. They are a self-custodial app, meaning if KYC fails or your account is restricted you can always take your money out (they state this on their website). You’ll have to perform full KYC before getting access to the banking feature”@Parla Someswararao“fake app they collect your documents”@James Anderso“Terrible customer support, great product Love the Product. But boy if you ever needed customer support, forget about it. They never respond. After a few weeks will say hi and go back to silence for another two weeks. Gotta be careful with your money with services like this”@mbosch25775“Cannot delete account Besides poor customer service, which is only happening when it is in their favour and easy to solve, you will not be able to delete your account. It will always give you an error message so they will sit on your KYC data which I had to complete 3 times for no reason at all. Super red flag for me!!!!!”@Corey Fleming“Did not let me get past the deposit page. When I did it kicked me back to the start saying I already have an account, then couldn't find it??? 0/10 app.”@Paulina from cryptonoshi.com“Nice non-custodial crypto card, for you to spend your USDC. You will have to bridge over to Base, but that's easily done in-app. Overall very pleasant experience. The Good: Generous Fee Structure 1:1 USDC to USD conversion 0% foreign exchange fee Apple Pay Enabled You get random purchases refunded, Tuyo says "It's on us". That's a fun one. Sometimes lunch, sometimes coffee, and I guess it could even be your Macbook purchase if you're lucky:) 200+ countries supported The Bad: No Cashback yet, only Tuyo points, not redeemable yet No Physical Card Yet”

Category Breakdown

KYC Simplicity
6.3/10
Fee Efficiency
7.1/10
Reward Value
7.1/10
App Experience
6.2/10
Support Quality
6.6/10

Features

Self-Custody

Supported Cryptocurrencies

USDC iconUSDCUSDT iconUSDT