Tuyo Card vs Plutus Card
Tuyo Card scores 9/16, Plutus Card scores 4/16 on the CBL Card Score. Here is every criterion side by side.
 Tuyo Card |  Plutus Card | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 0 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 0 of 2 |
| Funding cost | 2 of 2 | 1 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 | 4 |
The short verdict: Tuyo Card leads overall (9 to 4). 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). |
| Plutus Card | 3% on eligible card spend on every plan, rising to 9% through PLU stake levels (official, plutus.it/rewards and plutus.it/plans, checked 20 Oct 2026). Eligible spend is capped at £/€250, 500 or 1,000 a month by plan (official, fees page). Rewards are now called PLUS and accrue as in-app points while card spending is paused (official, Q1 migration FAQ, 20 Feb 2026). The top rate needs 40,000 PLU staked (third-party: SpendNode, 24 Jul 2026). |
Cashback is shown as a dated fact and never scored.