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Tria Card vs Tuyo Card

Tria Card scores higher on the G2M score: 69/100 against 61/100 (#7 and #17 of 26 cards). Pick Tria Card for cashback, a lower FX fee and more countries; pick Tuyo Card for a lower annual fee.

Tria Card69

#7 of 26 · 1.5% to 6% back · annual fee $20

Get TriaRead the review
Tuyo Card61

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

Get TuyoRead the review

The short answer

  • Tria Card scores higher on the G2M score: 69/100 against 61/100 (#7 and #17 of 26 cards).
  • Tria Card pays 1.5% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 6% on Tria Card.
  • Tuyo Card has no annual fee; Tria Card costs $20 a year.
  • Tria Card charges less on foreign currency: a 0% FX fee against 2%.
  • Tria Card lists 229 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 Tria Card is confirmed in United Kingdom.
  • 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
Tria Card
Tuyo Card
G2M score
69 (better)
61
Base cashback
1.5%
Not published
Max cashback
6%
Not published
Paid in
Not published
Not published
Annual fee
$20
Free (better)
FX fee
0% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Pro and Max: up to $750 a day, fee not published. No ATM access on Lite.
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa
Visa
Card type
Spend
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual, physical, metal
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
Yes
Yes
United Kingdom
Yes
No
EU / EEA
Yes
Yes
Countries
229
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
Lite · Pro · Max
Tuyo Card
Perks
Price protection up to $2,000 · Purchase protection up to $10,000 · Spend up to $1M a day on Pro and Max · Virtual Visa Platinum card · 1.5% with no cap on Tria Travel (hotels, rentals; not flights)
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, Tria Card or Tuyo Card?

Tria Card scores higher on the G2M score: 69/100 against 61/100 (#7 and #17 of 26 cards). Pick Tria Card for cashback, a lower FX fee and more countries; pick Tuyo Card for a lower annual fee. 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, Tria Card or Tuyo Card?

Tuyo Card has no annual fee; Tria Card costs $20 a year. Tria Card charges less on foreign currency: a 0% FX fee against 2%.

Which pays more cashback, Tria Card or Tuyo Card?

Tria Card pays 1.5% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 6% on Tria Card.

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

Tria Card lists 229 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 Tria Card is confirmed in United Kingdom.

Who holds my funds with Tria 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.