Tuyo Card vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- Tuyo Card scores higher overall (6.7 vs 5.3 out of 10).
- Tuyo Card is clearly stronger on: FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: FX & international
Uphold Debit Card (US) is a good fit for
- Everyday spenders who want cashback
Score by criterion
| Criterion | Tuyo Card | Uphold Debit Card (US) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | – | 47 |
| Availability | – | 3 |
| FX & international | 60 | 40 |
| Product features | 80 | – |
| Custody & security | 80 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 74 |
| Transparency | 79 | 86 |
| Best for Cashback | n/a | 5.4 |
| Best for Travel | 6.5 | 5.4 |
| Best for Self-Custody | 7.6 | n/a |
| Best for DeFi Users | 6.8 | 5.5 |
| Best for Stablecoins | 7.5 | n/a |
| Best for High Spenders | 6.0 | 5.7 |
| Best for Low Fees | 7.9 | 7.8 |
| Best for Beginners | 7.6 | 6.0 |
Product
Product status
ActiveShow source
Product status: Active
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Stablecoin cardShow source
Card type: Stablecoin card
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit cardShow source
Card type: Debit card
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source states (paraphrased): Visa card accepted at 175M+ merchants.
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Keys stay on the user's device
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Keys stay on the user's device
Card issuer / program manager
Signify Holdings, Inc. (Rain)Show source
Card issuer / program manager: Signify Holdings, Inc. (Rain)
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Essential (no annual fee) · Elite ($99.99/year)Show source
Tiers / plans: Essential (no annual fee) · Elite ($99.99/year)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
Free*Show source
Annual fee: Free
Essential; Elite $99.99/year
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $99.99/year
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card fee
$4.99*Show source
Physical card fee: $4.99
Essential
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No issuance fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
1%*Show source
FX fee: 1%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
1.5%*Show source
FX fee: 1.5%
Essential; Elite has no foreign transaction fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no foreign transaction fees
ATM fee
$2.95*Show source
ATM fee: $2.95
Essential; Elite has no ATM fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no ATM fees
Cashback & rewards
Base cashback
2%*Show source
Base cashback: 2%
Essential, paid in XRP
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential, paid in XRP
Max cashback
4%*Show source
Max cashback: 4%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Cashback paid in
XRP (or other crypto at Uphold's discretion)Show source
Cashback paid in: XRP (or other crypto at Uphold's discretion)
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Max cashback per month
$120/month*Show source
Max cashback per month: $120/month
Essential; Elite $300/month
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $300/month
Cashback conditions
No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')Show source
Cashback conditions: No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')
Source: Tuyo — Your next purchase may be free
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
NoShow source
Credit line: No
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United States*Show source
Available in: United States
Not in Louisiana, New York or US territories
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not in Louisiana, New York or US territories
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
No*Show source
Physical card: No
Physical card announced as coming soon
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card announced as coming soon
Virtual card
YesShow source
Virtual card: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
BaseShow source
Blockchains: Base
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−31 EUR
- Cashback+360 EUR
- Net annual value275 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers