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Exa Card vs Tuyo Card

Exa Card scores higher on the G2M score: 67/100 against 61/100 (#9 and #17 of 26 cards). Pick Exa Card for cashback and a lower FX fee; pick Tuyo Card for more countries.

Exa Card67

#9 of 26 · 1% back · annual fee none

Get ExactlyRead the review
Tuyo Card61

#17 of 26 · Not published back · annual fee none

Get TuyoRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 61/100 (#9 and #17 of 26 cards).
  • Exa Card pays 1% cashback on its entry tier; Tuyo Card does not publish a rate.
  • Neither card has an annual fee.
  • Exa Card charges less on foreign currency: a 1.5% FX fee against 2%.
  • Exa Card lists 46 countries where it works; Tuyo Card does not publish a full country list (216 confirmed so far). Of the markets we check for every card, only Tuyo Card is confirmed in EU / EEA.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Exa Card
Tuyo Card
G2M score
67 (better)
61
Base cashback
1%
Not published
Max cashback
1%
Not published
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
1.5% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal; up to $250 each
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa
Visa
Card type
Varies by region
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
Yes
Yes
United Kingdom
No
No
EU / EEA
No
Yes
Countries
46
Worldwide except 34 restricted countries and territories, incl. the UK and India
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
No
Yield on your balance
Yes
Yes
Tiers
Global · United States
Tuyo Card
Perks
Concierge · Extended warranty · Purchase protection
Some purchases made free at random · Interest on your USD balance (variable) · Daily limit up to $200,000

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Exa Card or Tuyo Card?

Exa Card scores higher on the G2M score: 67/100 against 61/100 (#9 and #17 of 26 cards). Pick Exa Card for cashback and a lower FX fee; pick Tuyo Card for more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Exa Card or Tuyo Card?

Neither card has an annual fee. Exa Card charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Exa Card or Tuyo Card?

Exa Card pays 1% cashback on its entry tier; Tuyo Card does not publish a rate.

Which works in more countries, Exa Card or Tuyo Card?

Exa Card lists 46 countries where it works; Tuyo Card does not publish a full country list (216 confirmed so far). Of the markets we check for every card, only Tuyo Card is confirmed in EU / EEA.

Who holds my funds with Exa Card and Tuyo Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.