Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs Decaf
Decaf Card has the higher Overall Score by 3 points (64 vs 61). Coin98 Fusion Card looks stronger for Travel, Funds control, and Lowest fees, while Decaf Card comes out ahead for Cashback and Transfers.
Latest check Oct 19, 202644 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.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
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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 CardOverall61Decaf CardOverall64
Coin98 Fusion CardOverall61Decaf CardOverall64Scores
- Overall Score
- Coin98 Fusion Card61Decaf Card64
- Cashback score
- Coin98 Fusion Card17Decaf Card29
- Travel score
- Coin98 Fusion Card65Decaf Card60
- Funds control score
- Coin98 Fusion Card64Decaf Card63
- Lowest fees score
- Coin98 Fusion Card73Decaf Card57
- Transfers score
- Coin98 Fusion Card39Decaf Card70
Costs
- Plan cost
- Coin98 Fusion Card$0Decaf Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionDecaf Card1–2%
- Top-up fee
- Coin98 Fusion Card1%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Coin98 Fusion CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeDecaf Card0% Decaf markup
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeDecaf Card$5
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentDecaf Card$90 international / $10 US
Plans
- Available plans
- Coin98 Fusion CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Coin98 Fusion CardVisaDecaf CardVisa
- Card formats
- Coin98 Fusion CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitDecaf CardNot disclosed
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitDecaf CardNot disclosed
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronDecaf CardSolana, Stellar
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTDecaf CardStablecoins: USDC
- Fiat deposits
- Coin98 Fusion CardNot disclosedDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Coin98 Fusion CardNot disclosedDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Coin98 Fusion CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Coin98 Fusion Card0%Decaf CardNot disclosed
- Max cashback
- Coin98 Fusion Card0%Decaf CardNot disclosed
- Reward currency
- Coin98 Fusion CardNot applicableDecaf CardNot disclosed
Earn
- Advertised APY
- Coin98 Fusion CardNot offeredDecaf CardNot disclosed
- How it works
- Coin98 Fusion CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Coin98 Fusion CardNot offeredDecaf CardYes
- Use balance for spending
- Coin98 Fusion CardNot offeredDecaf CardNot disclosed
- Lock-up
- Coin98 Fusion CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Coin98 Fusion CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Decaf CardThird National, Inc.
- Card processing
- Coin98 Fusion CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Coin98 Fusion CardNot disclosedDecaf CardMoneyGram
Sources
- Official sources
- Coin98 Fusion Card23Decaf Card21
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Coin98 Fusion or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Coin98 Fusion lists 1.7% foreign-currency conversion, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Coin98 Fusion does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Using the crypto you already hold
Coin98 Fusion's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Coin98 Fusion vs Decaf FAQ
Is Coin98 Fusion or Decaf better overall?
Decaf Card has the higher Overall Score (64 vs 61). 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 Decaf?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–2%). 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 Decaf differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.