Tuyo Visa Card vs Karma Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Tuyo Visa Card scores higher overall (9.4 vs 8.5), but the better pick depends on what you need.
Tuyo Visa Card
by Tuyo
9.4editor score 7.5/10
Pick Tuyo if you want a card that
- ✓also comes as a physical card
- ✓works with Apple Pay
- ✓works with Google Pay
Karma Card
by Karma Wallet
8.5editor score
Pick Karma if you want a card that
- ✓fits your country and coins
Side by side
| Tuyo | Karma | |
|---|---|---|
| Editor score | 9.4/10Better | 8.5/10 |
| User rating | 7.5/10 | Not rated |
| ID check | ID verification | ID verification |
| Card fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | Free | Not listed |
| FX fee | Free | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual and physicalBetter | Virtual |
| Network | Visa | Visa |
| Apple Pay | YesBetter | No |
| Google Pay | YesBetter | No |
| Coins | 2 | 2 |
Tuyo: pros and cons
- +Self-custodial, with up to 11% APY on deposits
- +No issuance, monthly or USD transaction fees
- +Deposits accepted from Ethereum, Base, Arbitrum, Optimism and Polygon
- +Free transfers to other Tuyo users
- −USDC only, so little choice of assets
- −No ATM withdrawals or PIN
- −Virtual card only for now, physical card still to come
- −KYC needed to get the card
Karma: pros and cons
- +Self-custody with real IBANs and routing numbers
- +Fast Solana wallet with instant settlement
- +Real-time FX and no hidden fees
- +Euros and crypto managed in one place
- −Newer platform with little track record
- −Mostly Solana-focused, with limited multi-chain support
- −Focused on Europe and the SEPA region
- −Assumes some understanding of crypto banking
Questions
Is Tuyo Visa Card or Karma Card better?
Tuyo Visa Card has the higher editor score (9.4/10). Tuyo also comes as a physical card, works with Apple Pay and works with Google Pay.
Which is cheaper, Tuyo or Karma?
Tuyo charges free to open and free per top-up. Karma charges free to open and an unlisted fee per top-up. The top-up fee matters most if you load larger amounts.
Do Tuyo and Karma require KYC?
Tuyo: yes, id verification. Karma: yes, id verification.
Do Tuyo and Karma work with Apple Pay?
Tuyo works with Apple Pay and Karma does not work with Apple Pay.