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Tuyo Card vs XPlace Card

Tuyo Card scores higher on the G2M score: 61/100 against 57/100 (#19 and #22 of 36 cards). XPlace Card still comes out ahead on cashback and more countries.

Tuyo Card61

#19 of 36 · Not published back · annual fee none

Get TuyoRead the review
XPlace Card57

#22 of 36 · 0.5% to 2% back · annual fee none

Get XPlaceRead the review

The short answer

  • Tuyo Card scores higher on the G2M score: 61/100 against 57/100 (#19 and #22 of 36 cards).
  • XPlace Card pays 0.5% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 2% on XPlace Card.
  • Neither card has an annual fee.
  • Tuyo Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.
  • XPlace Card is confirmed in more countries: 233 against 216, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United Kingdom.
  • Both are 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
Tuyo Card
XPlace Card
G2M score
61 (better)
57
Base cashback
Not published
0.5%
Max cashback
Not published
2%
Paid in
Not published
USDC
Annual fee
Free
Free
FX fee
2%
Not published
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Not published
Network
Visa
Visa
Card type
Spend
Varies by region
Custody
Non-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
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
Yes
Yes
United Kingdom
No
Yes
EU / EEA
Yes
Yes
Countries
Worldwide except 34 restricted countries and territories, incl. the UK and India
Worldwide except 17 countries (including India, China, Turkey and Vietnam) and 19 US states
Bank account (IBAN or account number)
In your name
Not confirmed
Send money to a bank account
3 currencies
Not confirmed
Buy and sell crypto with fiat
Buy and sell
Not confirmed
Spend against crypto without selling
No
Yes
Yield on your balance
Yes
Yes
Tiers
Tuyo Card
Basic · Silver · Gold · Platinum
Perks
Some purchases made free at random · Interest on your USD balance (variable) · Daily limit up to $200,000
Credit Mode: spend against crypto or tokenized stocks without selling · Yield on deposits through Kamino · Airport lounges and fast track on paid plans · 24/7 human support · Spending up to $2,000 a month

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, Tuyo Card or XPlace Card?

Tuyo Card scores higher on the G2M score: 61/100 against 57/100 (#19 and #22 of 36 cards). XPlace Card still comes out ahead on cashback 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, Tuyo Card or XPlace Card?

Neither card has an annual fee. Tuyo Card charges 2% on foreign currency; XPlace Card does not publish its FX fee.

Which pays more cashback, Tuyo Card or XPlace Card?

XPlace Card pays 0.5% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 2% on XPlace Card.

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

XPlace Card is confirmed in more countries: 233 against 216, though neither publishes a full list. Of the markets we check for every card, only XPlace Card is confirmed in United Kingdom.

Who holds my funds with Tuyo Card and XPlace Card?

Both are 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.