Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs Coinbase One
Coin98 Fusion Card has the higher Overall Score by 5 points (61 vs 56). Coin98 Fusion Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Coinbase One Card comes out ahead for Cashback.
Latest check Oct 11, 202646 official sources reviewed
Coin98 Fusion Card
Best fit
- Eligible APAC users funding a card with USDC or USDT across five networks.
- Online and phone-wallet purchases through the Coin98 app's virtual Visa.
- Occasional card use without a recurring membership or subscription fee.
Before you choose
- Virtual issuance costs $9; top-ups and conversion each carry a separate 1% fee.
- Current SGD terms pay no cashback and charge 1.7% for foreign conversion.
- Top-ups leave your self-custody wallet for a separate DCS card account.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
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Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsCoin98 Fusion CardOverall61Coinbase One CardOverall56
Coin98 Fusion CardOverall61Coinbase One CardOverall56Scores
- Overall Score
- Coin98 Fusion Card61Coinbase One Card56
- Cashback score
- Coin98 Fusion Card17Coinbase One Card40
- Travel score
- Coin98 Fusion Card65Coinbase One Card60
- Funds control score
- Coin98 Fusion Card64Coinbase One Card36
- Lowest fees score
- Coin98 Fusion Card73Coinbase One Card40
- Transfers score
- Coin98 Fusion Card39Coinbase One Card24
Costs
- Plan cost
- Coin98 Fusion Card$0Coinbase One Card$49.99/year
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Coin98 Fusion Card1%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Coin98 Fusion CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeCoinbase One CardNot disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentCoinbase One CardNot disclosed
Plans
- Available plans
- Coin98 Fusion CardNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Coin98 Fusion CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
- Network
- Coin98 Fusion CardVisaCoinbase One CardAmerican Express
- Card formats
- Coin98 Fusion CardVirtualCoinbase One CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronCoinbase One CardNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTCoinbase One CardNot disclosed
- Fiat deposits
- Coin98 Fusion CardNot disclosedCoinbase One CardNot disclosed
- Transfers
- Coin98 Fusion CardNot disclosedCoinbase One CardNot disclosed
- Payout currencies
- Coin98 Fusion CardNot disclosedCoinbase One CardNot disclosed
Rewards
- Base cashback
- Coin98 Fusion Card0%Coinbase One Card2%
- Max cashback
- Coin98 Fusion Card0%Coinbase One Card4%
- Reward currency
- Coin98 Fusion CardNot applicableCoinbase One CardBitcoin
Earn
- Advertised APY
- Coin98 Fusion CardNot offeredCoinbase One CardNot disclosed
- How it works
- Coin98 Fusion CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- Coin98 Fusion CardNot offeredCoinbase One CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredCoinbase One CardNo
- Lock-up
- Coin98 Fusion CardNot offeredCoinbase One CardYes
Trust & availability
- Custody
- Coin98 Fusion CardHybrid custodyCoinbase One CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Coinbase One CardFirst Electronic Bank
- Custody / key management
- Coin98 Fusion CardNot disclosedCoinbase One CardCoinbase, Inc.
Sources
- Official sources
- Coin98 Fusion Card23Coinbase One Card23
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Coin98 Fusion or Coinbase One
Keeping recurring costs down
Coin98 Fusion's base plan is $0, compared with $49.99/year for Coinbase One. This favours Coin98 Fusion for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Coin98 Fusion lists 1.7% foreign-currency conversion, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Coinbase One offers a physical card, while Coin98 Fusion does not. For purchases that require the card itself rather than a phone wallet, consider Coinbase One and check its order and delivery terms.
Common questions
Coin98 Fusion vs Coinbase One FAQ
Is Coin98 Fusion or Coinbase One better overall?
Coin98 Fusion Card has the higher Overall Score (61 vs 56). 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 Coinbase One?
Coin98 Fusion Card has the lower starting plan cost ($0 vs $49.99/year). 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 Coinbase One?
Coinbase One Card has the higher published base cashback rate (2% 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 Coinbase One differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Coinbase One 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 Coinbase One comparison?
The latest information check for these two cards was October 11, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.