Image: Tuyo
Tuyo Card review: fees, cashback and limits
A free self-custody USDC card with some of the widest country coverage around.
Quick answer
The Tuyo Card is a free, self-custody virtual Visa that spends USDC on Ethereum, Arbitrum, Base, Polygon or BNB Chain. There's no issuance or annual fee, and it's listed in over 200 countries. Non-USD purchases cost 1%, and up to 2% when you're abroad. Limits start at $50,000 a day. There's no published cashback.
Tuyo Card at a glance
| Best for | People in hard-to-serve countries who want a free self-custody USDC card. |
|---|---|
| Skip it if | You want cashback or a physical card. |
| Network | Visa |
| Card issuer | Rain |
| Custody | Self-custody |
| Card type | Spend card |
| Virtual or physical | Virtual |
| Cashback | No published cashback |
| Annual fee | None |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Listed in over 200 countries and territories, one of the widest footprints of any self-custody card. |
Tuyo Card fees
| Card cost | None |
|---|---|
| Annual or membership fee | None |
| FX and cross-border | 1% on non-USD purchases. Up to 2% with the 1% abroad fee. |
| Crypto conversion | None listed for USDC |
| ATM withdrawals | Visa ATM withdrawals at compatible ATMs with a PIN. Up to $250 per withdrawal including the ATM's surcharge, and 3 attempts per rolling 24 hours (declines count). Tuyo doesn't publish its own ATM fee. |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Tuyo Card app for your country before you load money. To see what Tuyo Card would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Tuyo Card
These are Tuyo Card's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 2% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 8 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #15 of 27 in Latin America#13 of 24 in Asia-Pacific#8 of 14 in Africa#10 of 16 in Middle East
Cashback and rewards
- Tuyo doesn't publish a cashback rate
Deposits and withdrawals
How to top up
- USDC on Ethereum, Arbitrum, Base, Polygon or BNB Chain
Fees: No top-up fee listed. Network fees apply.
How to withdraw
- Move USDC back to any wallet
- ATM withdrawals
Fees: Network fees. ATM fees not published.
Supported assets: USDC on Ethereum, Arbitrum, Base, Polygon and BNB Chain.
Where Tuyo Card works
Listed in over 200 countries and territories, one of the widest footprints of any self-custody card.
Check the app during sign-up.
Limits and perks
Limits
- $50,000 a day at first, rising to $100,000 after $50,000 of total spend and $200,000 after $100,000
- ATM: $250 per withdrawal including surcharges, 3 attempts per 24 hours
Perks
- None published
Pros and cons
What's good
- Free: no issuance or annual fee
- Self-custody
- Huge country coverage
- High spending limits
What's not
- Up to 2% on foreign purchases
- No cashback
- Virtual only, USDC only
- ATM fee not published, and only $250 per withdrawal
Our take on Tuyo Card
Tuyo keeps things simple. It's a free virtual Visa that spends USDC from a self-custody setup on five EVM chains, and it's listed in more than 200 countries and territories. For people in places that most crypto cards skip, that alone makes it worth a look.
There's no issuance fee and no annual fee. Non-USD purchases cost 1%, and if you're physically abroad there's another 1% on top, so foreign spending can cost up to 2%. Limits are generous, starting at $50,000 a day and rising as you spend more.
There are no rewards to speak of, and ATM fees aren't published, so it's a utility card rather than a rewards card.
A free, no-frills self-custody card that works almost anywhere. Good as a backup, light on extras.
How we scored Tuyo Card: 6.2/10
MethodologyRecent Tuyo Card updates
All newsTuyo adds ATM withdrawals and raises daily card limits
Tuyo's current card guide describes Visa ATM withdrawals of up to $250 each (including the ATM's surcharge), with three attempts allowed per rolling 24 hours. New cards start with a $50,000 daily limit that can rise to $200,000 with spending. Non-USD purchases still cost 1%, plus 1% when you pay outside the US.
Tuyo Card FAQ
Is the Tuyo Card free?
Yes. There's no issuance fee and no annual fee.
What are Tuyo's FX fees?
1% on non-USD purchases, and up to 2% including a 1% fee when you're abroad.
Which chains does Tuyo support?
USDC on Ethereum, Arbitrum, Base, Polygon and BNB Chain.
Does Tuyo have cashback?
Tuyo doesn't publish a cashback rate.
Sources
- Tuyo Help: card guideFX and abroad fees, ATM rules, daily limits, checked Oct 17, 2026
- DefiLlama card details: TuyoFees, chains, countries, limits, verified Aug 27, 2026
- TuyoOfficial site
We checked these sources on 15 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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