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Lava Card vs Tuyo Card

Lava Card

Crypto native

6.4
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Tuyo Card

Crypto native

6.6
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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:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesLava Card vs ether.fi CashTuyo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionLava CardTuyo Card
Fees100100
Cashback & rewards33–
Availability––
FX & international10060
Product features–58
Custody & security–80
Credit & financing–30
Limits & ATM––
Transparency10086
Best for Cashback5.4n/a
Best for Travel7.66.4
Best for Self-Custodyn/a7.5
Best for DeFi Usersn/a6.7
Best for Stablecoins7.47.3
Best for High Spenders6.15.9
Best for Low Fees9.38.0
Best for Beginners6.87.2

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

No data yet
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

No data yet
FreeShow source

Virtual card fee

No data yet
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

No data yet
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

No data yet

Max cashback

5%Conditions apply: tap or hover for detailsShow source

At Lava merchant partners, worldwide

No data yet

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

No data yet
NoShow source

Spend own balance directly

YesShow source
No data yet

Availability

Not available in

No data yet
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

No data yet
USD · EURShow source

Own IBAN / bank details

No data yet
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

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

No data yet
NoConditions apply: tap or hover for detailsShow source

Physical card announced as coming soon

Virtual card

No data yet
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Stablecoin deposits are credited as dollars

YesShow source

Spendable assets

No data yet
USDCShow source

Blockchains

No data yet
BaseShow source

Limits

ATM limit

No data yet
$250Conditions apply: tap or hover for detailsShow source

Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours

Spending limit

No data yet
$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

More Lava Card comparisons

More Tuyo Card comparisons