Verdict
- Tuyo Card scores higher overall (6.6 vs 6.4 out of 10).
- Lava Card is clearly stronger on: FX & international, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lava Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: FX & international, Transparency
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Lava Card | Tuyo Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 33 | – |
| Availability | – | – |
| FX & international | 100 | 60 |
| Product features | – | 58 |
| Custody & security | – | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 86 |
| Best for Cashback | 5.4 | n/a |
| Best for Travel | 7.6 | 6.4 |
| Best for Self-Custody | n/a | 7.5 |
| Best for DeFi Users | n/a | 6.7 |
| Best for Stablecoins | 7.4 | 7.3 |
| Best for High Spenders | 6.1 | 5.9 |
| Best for Low Fees | 9.3 | 8.0 |
| Best for Beginners | 6.8 | 7.2 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Credit cardConditions apply: tap or hover for detailsShow source
Secured: spends only the available dollar balance; no unsecured credit
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Keys stay on the user's device
Card issuer / program manager
Card program by Rain with a partner issuerShow source
Signify Holdings, Inc. (Rain)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No spread on Visa's exchange rate
1%Conditions apply: tap or hover for detailsShow source
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Other fees & markups
ATM operator fees and FX markups apply on top of the withdrawal amountShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Users based outside the US; 3% for US users; 5% at Lava merchant partners
Max cashback
5%Conditions apply: tap or hover for detailsShow source
At Lava merchant partners, worldwide
Cashback paid in
BTCShow source
TUYOs (points)Conditions apply: tap or hover for detailsShow source
Not tradable or transferable
Cashback type
CryptoShow source
PointsConditions apply: tap or hover for detailsShow source
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
Cashback conditions
3% back in bitcoin for US-based users, 1% outside the US · 5% at Lava merchant partners · Redeemable from 100,000 sats (0.001 BTC) · No rewards on fines, taxes, insurance, rentals and schoolsShow source
TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferableShow source
Credit & financing
Credit line
NoShow source
Spend own balance directly
YesShow source
Availability
Not available in
AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YEConditions apply: tap or hover for detailsShow source
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Page says "Spend in Dollars"
USD · EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Physical card announced as coming soon
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Stablecoin deposits are credited as dollars
YesShow source
Spendable assets
USDCShow source
Blockchains
BaseShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Daily; can rise to $100,000 and then $200,000 as total spending grows
Annual cost at 1,500 EUR/month
Lava Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers