Tuyo
Tuyo is a crypto card issued on Visa, rated 7.3/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Tuyo is the strongest fit for all-rounder and ad spend, and asks for ID + proof at signup — we carry it at low-medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Tuyo · Crypto Card |
| Official site | https://tuyo.com |
| Best for | All-rounder · Ad spend |
| Network | Visa |
| Rating | 7.3/10 (3.5★, 919 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | Free |
| Top-up (deposit) fee | N/A (self-custodial, spends from wallet) |
| FX / conversion fee | ~1% (non-USD); 0% USD transactions |
Verification and risk
| KYC required | Yes (KYC document verification) |
| Risk level | Low-Medium |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | USDC (Base chain) |
| Bank transfer | Yes (US/EU/MX bank accounts) |
| Alipay / WeChat Pay | No |
| Cards per account | 1 card |
Billing
| Billing address | Personal |
| Billing country | US, Spain, EU, LATAM |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple/Google Pay) |
| Meta / Google Ads | Yes |
| AI tools noted | Yes |
What the issuer states on its own site
- Tuyo charges a volume fee of 25 basis points (0.25%).
- The only possible cost is a small FX spread (usually under 1%) when converting between currencies.
- Tuyo takes a 10% performance fee on returns from Earn strategies.
- Tuyo Earn lets you deposit USDC, EURC, ETH, or BTC and earn up to 11% APY.
Source: https://tuyo.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 430337 | Visa | United States | Debit | 277 | 198 | 71.5% |
We logged 198 cleared charges out of 277 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Tuyo cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; top-ups cost N/A (self-custodial, spends from wallet); conversion is priced at ~1% (non-USD); 0% USD transactions. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Tuyo?
Tuyo asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (KYC document verification)
How can I fund Tuyo?
You can fund it with crypto (USDC (Base chain)), bank transfer (US/EU/MX bank accounts). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Tuyo need?
Setting it up: the billing address type is Personal; cards are issued against US, Spain, EU, LATAM; an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Tuyo work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Tuyo trigger 3-D Secure?
Yes. Tuyo supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Tuyo?
The issuer allows 1 card. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.