Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Coca: overall score versus use-case fit
Coca Card has the higher Overall Score by 10 points (70 vs 60). Coin98 Fusion Card looks stronger for Lowest fees, while Coca Card comes out ahead for Cashback, Travel, Funds control, and Transfers.
Information checked Aug 5, 202635 official sources reviewed
01 · Overall score versus use-case fit
Coca Card is the better all-round starting point
Coca 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 Fusion60Coca70Higher score
CashbackCoin98 Fusion17Coca43Higher score
TravelCoin98 Fusion65Coca82Higher score
Funds controlCoin98 Fusion64Coca85Higher score
Lowest feesCoin98 Fusion72Coca63Higher score
TransfersCoin98 Fusion39Coca87Higher 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 Coca Card if cashback and travel matter most
Coca 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
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 Fusion60Coca70
Coca Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXCoca$0 plan · 0% on direct pairs FX
Coca Card has the lower published FX fee (0% on direct pairs vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackCoca1% base · up to 8%
Coca Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyCocaSelf-controlled wallet
Coin98 Fusion Card uses a hybrid custody setup, while Coca Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayCocaVirtual + Physical · Apple Pay, Google Pay
Coca Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledCoca3 stablecoins · Stablecoin transfers; IBAN / bank transfers
Coca 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%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 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 CardOverall60Coca CardOverall70
Coin98 Fusion CardOverall60Coca CardOverall70Scores
6 fields- Overall Score
- Coin98 Fusion Card60Coca Card70
- Cashback score
- Coin98 Fusion Card17Coca Card43
- Travel score
- Coin98 Fusion Card65Coca Card82
- Funds control score
- Coin98 Fusion Card64Coca Card85
- Lowest fees score
- Coin98 Fusion Card72Coca Card63
- Transfers score
- Coin98 Fusion Card39Coca Card87
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyCoca CardBest cashback needs COCA tier rules, ATM is free only up to allowance
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Coca Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionCoca Card0% on direct pairs
- Top-up fee
- Coin98 Fusion Card1%Coca CardNot disclosed
- Card spending fee
- Coin98 Fusion CardNot disclosedCoca CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeCoca Card0–2%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeCoca CardVirtual card free for all tiers
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentCoca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/Elite
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedCoca Card6 plans: Starter, Standard, Standard+, Premium +2
- Top cashback plan
- Coin98 Fusion CardNot disclosedCoca CardElite: 8%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaCoca CardVisa
- Card formats
- Coin98 Fusion CardVirtualCoca CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableCoca CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayCoca CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidCoca CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitCoca Card30,000 EUR/day; 30,000 EUR/transaction
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitCoca Card30,000 EUR/month
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearCoca Card850 EUR/day; 5,000 EUR/month
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronCoca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTCoca CardStablecoins: USDT, USDC, EURC, EURS
- Fiat deposits
- Coin98 Fusion CardNot disclosedCoca CardEUR IBAN receive
- Transfers
- Coin98 Fusion CardNot disclosedCoca CardStablecoin transfers; IBAN / bank transfers
- Payout currencies
- Coin98 Fusion CardNot disclosedCoca CardEUR, USD where available
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Coca Card1%
- Max cashback
- Coin98 Fusion Card0%Coca Card8%
- Reward currency
- Coin98 Fusion CardNot applicableCoca CardStablecoins such as USDC or EURC cashback
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredCoca CardUp to 5% APY
- How it works
- Coin98 Fusion CardNot offeredCoca CardEarn on spending balance
- Separate deposit
- Coin98 Fusion CardNot offeredCoca CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredCoca CardYes
- Lock-up
- Coin98 Fusion CardNot offeredCoca CardNo
Trust & availability
4 fields- Custody
- Coin98 Fusion CardHybrid custodyCoca CardSelf-custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsCoca CardYou keep control
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Coca CardNot disclosed
- Programme operator
- Coin98 Fusion CardNot disclosedCoca CardCOCA / CCA LABS
Sources
2 fields- Official sources
- Coin98 Fusion Card23Coca Card12
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Coca CardAug 5, 2026
04 · The trade-off
Coca Card is the stronger all-round choice
Coca Card finishes ahead with an Overall Score of 70 versus 60 for Coin98 Fusion Card. Coca Card has the lower published FX fee (0% on direct pairs vs 1.7% foreign-currency conversion). Coca Card has the higher published base cashback rate (1% 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 Coca Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Coca 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 Coca Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Coca Card
05 · Common questions
Coin98 Fusion vs Coca FAQ
Is Coin98 Fusion or Coca better overall?
Coca 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 Coca?
Coca Card has the lower published FX fee (0% on direct pairs vs 1.7% foreign-currency conversion). 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 Coca?
Coca Card has the higher published base cashback rate (1% 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 Coca differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Coca Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Coca 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.