Tuyo Card vs Bitrefill Card
Tuyo Card scores 9/16, Bitrefill Card scores 6/16 on the CBL Card Score. Here is every criterion side by side.
 Tuyo Card |  Bitrefill Card | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 2 of 2 |
| Funding cost | 2 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 0 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 0 of 2 |
| Total | 9 | 6 |
The short verdict: Tuyo Card leads overall (9 to 6). Self-custodial; USDC stays in your smart account, 1% non-USD plus 1% outside the US FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Tuyo Card | None published. "Buy Now, Pay Maybe": some card purchases are randomly covered by Tuyo. TUYOs are non-transferable reward points ahead of a token "we expect to launch in 2026" (official, tuyo.com/faq, checked 20 Oct 2026). Rewards listed as "TBD" (third-party: SpendNode, 21 Sep 2026). |
| Bitrefill Card | 1% on every crypto deposit and 1% on every purchase, "no cap", paid in EUR as Bitrefill store credit the same day the payment settles, no expiry (official, card page and card FAQ, checked 20 Oct 2026). Store credit buys gift cards, eSIMs and refills on bitrefill.com and cannot be withdrawn (official, FAQ). Bank withdrawals, cash-outs and ATM withdrawals earn nothing (official). Free eSIM of up to 20GB a month for depositing over €500 of crypto in the month (official, card page). |
Cashback is shown as a dated fact and never scored.