Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs Coinbase One: where the score gap comes from
Coin98 Fusion Card has the higher Overall Score by 5 points (61 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202646 official sources reviewed
01 · Where the gap opens
Coin98 Fusion Card is the better all-round starting point
Coin98 Fusion Card has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 Fusion61Coinbase One56Higher score
CashbackCoin98 Fusion17Coinbase One40Compare the details below
TravelCoin98 Fusion65Coinbase One60Compare the details below
Funds controlCoin98 Fusion64Coinbase One36Compare the details below
Lowest feesCoin98 Fusion73Coinbase One58Compare the details below
TransfersCoin98 Fusion39Coinbase One24Compare the details below
Choose Coin98 Fusion Card if its day-to-day setup suits you
Coin98 Fusion Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Coin98 Fusion61Coinbase One56
Coin98 Fusion Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Coin98 Fusion Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Coin98 Fusion0% cashbackCoinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyCoinbase OneCustodial balance
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.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Coinbase One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledCoinbase One0 stablecoins · Not modeled
Coin98 Fusion Card lists more stablecoins and ways to send money out (2 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsCoin98 Fusion CardOverall61Coinbase One CardOverall56
Coin98 Fusion CardOverall61Coinbase One CardOverall56Scores
6 fields- 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 Card58
- Transfers score
- Coin98 Fusion Card39Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- 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
2 fields- 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
8 fields- 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
5 fields- 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
3 fields- 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
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredCoinbase One CardUp to 3.5% APY
- 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
4 fields- 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
2 fields- Official sources
- Coin98 Fusion Card23Coinbase One Card23
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Coin98 Fusion Card is the stronger all-round choice
Coin98 Fusion Card finishes ahead with an Overall Score of 61 versus 56 for Coinbase One Card. Coin98 Fusion Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
Coin98 Fusion Card lists more stablecoins and ways to send money out (2 vs 0). 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 Coinbase One Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Coinbase One Card
05 · 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 September 5, 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.