Tuyo Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Tuyo Card 3.0/5 self_custodialvisa	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	$0	Free (all tiers)
Issuance Fee	$0	See card_tiers
Rewards
Max Cashback	TUYO rewards - rates not published as fixed percentages; vary by season and in-app multipliers	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Self-custodial model maintains true crypto ethos of user control No annual fees or maintenance charges No staking requirements to access the card Free fiat-to-USDC conversion for deposits	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
Cons	Limited to USDC on Base network for spending (other cryptocurrencies require manual conversion) Virtual card only; physical card not yet available ATM withdrawals and PIN functionality not supported TUYO reward rates not published as fixed percentages; vary by season	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending