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64
Side-by-side card comparison
ARQ vs Coin98 Fusion: overall score versus use-case fit
ARQ Card has the higher Overall Score by 4 points (64 vs 60). ARQ Card looks stronger for Cashback and Transfers, while Coin98 Fusion Card comes out ahead for Travel, Funds control, and Lowest fees.
Information checked Aug 5, 202659 official sources reviewed
01 · Overall score versus use-case fit
ARQ Card is the better all-round starting point
ARQ Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Travel, Funds control, and Lowest fees. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallARQ64Coin98 Fusion60Higher score
CashbackARQ41Coin98 Fusion17Higher score
TravelARQ62Coin98 Fusion65Higher score
Funds controlARQ52Coin98 Fusion64Higher score
Lowest feesARQ52Coin98 Fusion72Higher score
TransfersARQ75Coin98 Fusion39Higher score
Choose ARQ Card if cashback and transfers matter most
ARQ Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Coin98 Fusion Card if travel and funds control matter most
Coin98 Fusion Card comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- ARQ64Coin98 Fusion60
ARQ Card has the higher Overall Score by 4 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ARQ0% base · up to 2%Coin98 Fusion0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- ARQCustodial balanceCoin98 FusionHybrid custody
ARQ Card uses a custodial balance setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutCoin98 Fusion2 stablecoins · Not modeled
ARQ Card lists more stablecoins and ways to send money out (6 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsARQ CardOverall64Coin98 Fusion CardOverall60
ARQ CardOverall64Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- ARQ Card64Coin98 Fusion Card60
- Cashback score
- ARQ Card41Coin98 Fusion Card17
- Travel score
- ARQ Card62Coin98 Fusion Card65
- Funds control score
- ARQ Card52Coin98 Fusion Card64
- Lowest fees score
- ARQ Card52Coin98 Fusion Card72
- Transfers score
- ARQ Card75Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- ARQ Card$0Coin98 Fusion Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyCoin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURCoin98 Fusion Card1%
- Card spending fee
- ARQ Card0%Coin98 Fusion CardNot disclosed
- ATM fee
- ARQ Card1–3%Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- ARQ CardFreeCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeCoin98 Fusion CardNot disclosed
- Top cashback plan
- ARQ CardPrestige: 2%Coin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- ARQ CardMastercardCoin98 Fusion CardVisa
- Card formats
- ARQ CardVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- ARQ CardAvailableCoin98 Fusion CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- ARQ CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- ARQ CardNot disclosedCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- ARQ CardNot disclosedCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- ARQ CardUSD receive, EUR receiveCoin98 Fusion CardNot disclosed
- Transfers
- ARQ CardARQ P2P; USD ACH payoutCoin98 Fusion CardNot disclosed
- Payout currencies
- ARQ CardUSDCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- ARQ Card0%Coin98 Fusion Card0%
- Max cashback
- ARQ Card2%Coin98 Fusion Card0%
- Reward currency
- ARQ CardUSDc cashbackCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYCoin98 Fusion CardNot offered
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultCoin98 Fusion CardNot offered
- Separate deposit
- ARQ CardYesCoin98 Fusion CardNot offered
- Use balance for spending
- ARQ CardNoCoin98 Fusion CardNot offered
- Lock-up
- ARQ CardNoCoin98 Fusion CardNot offered
Trust & availability
3 fields- Custody
- ARQ CardCustodialCoin98 Fusion CardHybrid custody
- Control until payment
- ARQ CardProvider controls fundsCoin98 Fusion CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedCoin98 Fusion CardDCS Card Centre Pte. Ltd.
Sources
2 fields- Official sources
- ARQ Card36Coin98 Fusion Card23
- Last reviewed
- ARQ CardAug 5, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
ARQ Card is the stronger all-round choice
ARQ Card finishes ahead with an Overall Score of 64 versus 60 for Coin98 Fusion Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Travel, Funds control, and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. ARQ Card uses a custodial balance setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
ARQ Card lists more stablecoins and ways to send money out (6 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ARQ Card and Coin98 Fusion Card reviews first.
Continue with
ARQ Card
Continue with
Coin98 Fusion Card
05 · Common questions
ARQ vs Coin98 Fusion FAQ
Is ARQ or Coin98 Fusion better overall?
ARQ Card has the higher Overall Score (64 vs 60). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ARQ or Coin98 Fusion?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ARQ or Coin98 Fusion?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and Coin98 Fusion differ on custody?
ARQ Card uses a custodial balance setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ARQ vs Coin98 Fusion comparison?
The latest information check for these two cards was August 5, 2026, using 59 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.