Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Binance: overall score versus use-case fit
Coin98 Fusion Card has the higher Overall Score by 2 points (60 vs 58). Coin98 Fusion Card looks stronger for Travel, Funds control, and Lowest fees, while Binance Card comes out ahead for Cashback and Transfers.
Information checked Aug 5, 202635 official sources reviewed
01 · Overall score versus use-case fit
Coin98 Fusion Card is the better all-round starting point
Coin98 Fusion Card has the higher Overall Score in this comparison. Binance Card may be the better fit for Cashback and Transfers. 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.
OverallCoin98 Fusion60Binance58Higher score
CashbackCoin98 Fusion17Binance37Higher score
TravelCoin98 Fusion65Binance36Higher score
Funds controlCoin98 Fusion64Binance47Higher score
Lowest feesCoin98 Fusion72Binance56Higher score
TransfersCoin98 Fusion39Binance75Higher score
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
Choose Binance Card if cashback and transfers matter most
Binance 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.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
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
- Coin98 Fusion60Binance58
Coin98 Fusion Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXBinance$0 plan · 2–3% FX
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 2–3%).
- Purchase rewards
- Coin98 Fusion0% cashbackBinance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyBinanceCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayBinanceVirtual · Google Pay
Coin98 Fusion Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
Binance Card lists more stablecoins and ways to send money out (5 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.
- 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
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 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
CardsCoin98 Fusion CardOverall60Binance CardOverall58
Coin98 Fusion CardOverall60Binance CardOverall58Scores
6 fields- Overall Score
- Coin98 Fusion Card60Binance Card58
- Cashback score
- Coin98 Fusion Card17Binance Card37
- Travel score
- Coin98 Fusion Card65Binance Card36
- Funds control score
- Coin98 Fusion Card64Binance Card47
- Lowest fees score
- Coin98 Fusion Card72Binance Card56
- Transfers score
- Coin98 Fusion Card39Binance Card75
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Binance Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionBinance Card2–3%
- Top-up fee
- Coin98 Fusion Card1%Binance CardNot disclosed
- Card spending fee
- Coin98 Fusion CardNot disclosedBinance CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeBinance CardNot disclosed
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentBinance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedBinance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- Coin98 Fusion CardNot disclosedBinance CardTier 3: 3%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaBinance CardMastercard
- Card formats
- Coin98 Fusion CardVirtualBinance CardVirtual
- ATM withdrawals
- Coin98 Fusion CardAvailableBinance CardNot disclosed
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayBinance CardGoogle Pay
- Apps
- Coin98 Fusion CardiOS, AndroidBinance CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitBinance CardShown in app
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitBinance CardShown in app
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronBinance CardNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTBinance CardOther crypto: Supported crypto
- Fiat deposits
- Coin98 Fusion CardNot disclosedBinance CardBinance account bank deposit
- Transfers
- Coin98 Fusion CardNot disclosedBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- Coin98 Fusion CardNot disclosedBinance CardNot disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Binance Card1.5%
- Max cashback
- Coin98 Fusion Card0%Binance Card3%
- Reward currency
- Coin98 Fusion CardNot applicableBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredBinance CardNot offered
- How it works
- Coin98 Fusion CardNot offeredBinance CardNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredBinance CardNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredBinance CardNot offered
- Lock-up
- Coin98 Fusion CardNot offeredBinance CardNot offered
Trust & availability
3 fields- Custody
- Coin98 Fusion CardHybrid custodyBinance CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsBinance CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Binance CardImmersve Limited
Sources
2 fields- Official sources
- Coin98 Fusion Card23Binance Card12
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Binance CardAug 5, 2026
04 · The trade-off
Coin98 Fusion Card is the stronger all-round choice
Coin98 Fusion Card finishes ahead with an Overall Score of 60 versus 58 for Binance Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 2–3%). Binance Card has the higher published base cashback rate (1.5% vs 0%).
Binance Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card uses a hybrid custody setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Binance Card lists more stablecoins and ways to send money out (5 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 Coin98 Fusion Card and Binance Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Binance Card
05 · Common questions
Coin98 Fusion vs Binance FAQ
Is Coin98 Fusion or Binance better overall?
Coin98 Fusion Card has the higher Overall Score (60 vs 58). 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, Coin98 Fusion or Binance?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 2–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coin98 Fusion or Binance?
Binance Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coin98 Fusion and Binance differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Binance comparison?
The latest information check for these two cards was August 5, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.