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Solayer Card vs Tuyo Card

Tuyo Card scores higher on the G2M score: 61/100 against 47/100 (#17 and #23 of 26 cards). Pick Solayer Card for a lower FX fee; pick Tuyo Card for a lower annual fee and more countries.

Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead the review
Tuyo Card61

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

Get TuyoRead the review

The short answer

  • Tuyo Card scores higher on the G2M score: 61/100 against 47/100 (#17 and #23 of 26 cards).
  • Neither card publishes a cashback rate for its entry tier.
  • Tuyo Card has no annual fee; Solayer Card costs $20 a year.
  • Solayer Card charges less on foreign currency: a 1.5% FX fee against 2%.
  • Tuyo Card is confirmed in more countries: 216 against 154, though neither publishes a full list. Of the markets we check for every card, only Tuyo Card is confirmed in EU / EEA and UAE.
  • 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
Solayer Card
Tuyo Card
G2M score
47
61 (better)
Base cashback
Not published
Not published
Max cashback
Not published
Not published
Paid in
Points
Not published
Annual fee
$20
Free (better)
FX fee
1.5% (better)
2%
Top-up fee
1%
0% (better)
Per-purchase fee
$0.15
None listed
ATM
Supported; fee not published
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa
Visa
Card type
Credit
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
No
Yes
United States
Yes
Yes
United Kingdom
No
No
EU / EEA
No
Yes
Countries
154
Worldwide except 34 restricted countries and territories, incl. the UK and India
Bank account (IBAN or account number)
No
In your name
Send money to a bank account
No
3 currencies
Buy and sell crypto with fiat
No
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Membership
Tuyo Card
Perks
Referral points
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, Solayer Card or Tuyo Card?

Tuyo Card scores higher on the G2M score: 61/100 against 47/100 (#17 and #23 of 26 cards). Pick Solayer Card for a lower FX fee; pick Tuyo Card for a lower annual fee and 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, Solayer Card or Tuyo Card?

Tuyo Card has no annual fee; Solayer Card costs $20 a year. Solayer Card charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Solayer Card or Tuyo Card?

Neither card publishes a cashback rate for its entry tier.

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

Tuyo Card is confirmed in more countries: 216 against 154, though neither publishes a full list. Of the markets we check for every card, only Tuyo Card is confirmed in EU / EEA and UAE.

Who holds my funds with Solayer 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.