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PEXX Card vs Tuyo Card

PEXX Card scores higher on the G2M score: 62/100 against 61/100 (#19 and #20 of 39 cards). Pick PEXX Card for cashback and a lower FX fee; pick Tuyo Card for more countries and control of your funds.

PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review
Tuyo Card61

#20 of 39 · Not published back · annual fee none

Get TuyoRead the review

The short answer

  • PEXX Card scores higher on the G2M score: 62/100 against 61/100 (#19 and #20 of 39 cards).
  • PEXX Card pays 1% cashback on its entry tier; Tuyo Card does not publish a rate.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.
  • PEXX Card lists 68 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 PEXX Card is confirmed in United Kingdom, and only Tuyo Card is confirmed in United States.
  • PEXX Card is custodial; Tuyo Card is non-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
PEXX Card
Tuyo Card
G2M score
62 (better)
61
Base cashback
1%
Not published
Max cashback
1%
Not published
Paid in
PEXX Points
Not published
Annual fee
Free
Free
FX fee
1.2% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
0.6%
None listed
ATM
Not published
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa / Mastercard
Visa
Card type
Debit
Spend
Custody
Custodial
Non-custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
No
Yes
United Kingdom
Yes
No
EU / EEA
Yes
Yes
Countries
68
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
17 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Not confirmed
No
Yield on your balance
Yes
Yes
Tiers
PEXX Card
Tuyo Card
Perks
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines
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, PEXX Card or Tuyo Card?

PEXX Card scores higher on the G2M score: 62/100 against 61/100 (#19 and #20 of 39 cards). Pick PEXX Card for cashback and a lower FX fee; pick Tuyo Card for more countries and control of your funds. 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, PEXX Card or Tuyo Card?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 2%.

Which pays more cashback, PEXX Card or Tuyo Card?

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

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

PEXX Card lists 68 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 PEXX Card is confirmed in United Kingdom, and only Tuyo Card is confirmed in United States.

Who holds my funds with PEXX Card and Tuyo Card?

PEXX Card is custodial; Tuyo Card is non-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.