Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 10 points (70 vs 60). Coin98 Fusion Card looks stronger for Lowest fees, while Brighty Card comes out ahead for Cashback, Travel, Funds control, and Transfers.
Information checked Aug 16, 202648 official sources reviewed
01 · Overall score versus use-case fit
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for 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.
OverallCoin98 Fusion60Brighty70Higher score
CashbackCoin98 Fusion17Brighty48Higher score
TravelCoin98 Fusion65Brighty80Higher score
Funds controlCoin98 Fusion64Brighty65Higher score
Lowest feesCoin98 Fusion72Brighty68Higher score
TransfersCoin98 Fusion39Brighty93Higher score
Choose Coin98 Fusion Card if lowest fees matters most
Coin98 Fusion Card comes out ahead for 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 Brighty Card if cashback and travel matter most
Brighty Card comes out ahead for Cashback, Travel, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free entry plan
- USDC cashback
- Multiple account rails
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 Fusion60Brighty70
Brighty Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Coin98 Fusion0% cashbackBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyBrightyCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Brighty 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 PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty 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
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall60Brighty CardOverall70
Coin98 Fusion CardOverall60Brighty CardOverall70Scores
6 fields- Overall Score
- Coin98 Fusion Card60Brighty Card70
- Cashback score
- Coin98 Fusion Card17Brighty Card48
- Travel score
- Coin98 Fusion Card65Brighty Card80
- Funds control score
- Coin98 Fusion Card64Brighty Card65
- Lowest fees score
- Coin98 Fusion Card72Brighty Card68
- Transfers score
- Coin98 Fusion Card39Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Brighty Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Coin98 Fusion Card1%Brighty Card0%
- Card spending fee
- Coin98 Fusion CardNot disclosedBrighty CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeBrighty CardNot disclosed
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Coin98 Fusion CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaBrighty CardVisa/Mastercard
- Card formats
- Coin98 Fusion CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableBrighty CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Coin98 Fusion CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Coin98 Fusion CardNot disclosedBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Coin98 Fusion CardNot disclosedBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Coin98 Fusion CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Brighty Card0.5%
- Max cashback
- Coin98 Fusion Card0%Brighty Card1.8%
- Reward currency
- Coin98 Fusion CardNot applicableBrighty CardUSDC
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredBrighty CardNot disclosed
- How it works
- Coin98 Fusion CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Coin98 Fusion CardNot offeredBrighty CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredBrighty CardYes
- Lock-up
- Coin98 Fusion CardNot offeredBrighty CardNo
Trust & availability
5 fields- Custody
- Coin98 Fusion CardHybrid custodyBrighty CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Brighty CardWallester AS
- Custody / key management
- Coin98 Fusion CardNot disclosedBrighty CardFireblocks
- Identity verification
- Coin98 Fusion CardNot disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- Coin98 Fusion Card23Brighty Card25
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Brighty CardAug 16, 2026
04 · The trade-off
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Coin98 Fusion Card still comes out ahead for Lowest fees, 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 Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Brighty 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 Brighty Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Brighty Card
05 · Common questions
Coin98 Fusion vs Brighty FAQ
Is Coin98 Fusion or Brighty better overall?
Brighty Card has the higher Overall Score (70 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, Coin98 Fusion or Brighty?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). 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 Brighty?
Brighty Card has the higher published base cashback rate (0.5% 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 Brighty differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Brighty 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 Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.