Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Exa: overall score versus use-case fit
Exa Card has the higher Overall Score by 6 points (66 vs 60). Coin98 Fusion Card looks stronger for Travel and Lowest fees, while Exa Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Aug 23, 202654 official sources reviewed
01 · Overall score versus use-case fit
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Travel and 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 Fusion60Exa66Higher score
CashbackCoin98 Fusion17Exa19Higher score
TravelCoin98 Fusion65Exa61Higher score
Funds controlCoin98 Fusion64Exa88Higher score
Lowest feesCoin98 Fusion72Exa67Higher score
TransfersCoin98 Fusion39Exa97Higher score
Choose Coin98 Fusion Card if travel and lowest fees matter most
Coin98 Fusion Card comes out ahead for Travel and 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 Exa Card if cashback and funds control matter most
Exa Card comes out ahead for Cashback, 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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 Fusion60Exa66
Exa Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackExa0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodyExaSelf-controlled wallet
Coin98 Fusion Card uses a hybrid custody setup, while Exa 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 PayExaVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Exa 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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 CardOverall60Exa CardOverall66
Coin98 Fusion CardOverall60Exa CardOverall66Scores
6 fields- Overall Score
- Coin98 Fusion Card60Exa Card66
- Cashback score
- Coin98 Fusion Card17Exa Card19
- Travel score
- Coin98 Fusion Card65Exa Card61
- Funds control score
- Coin98 Fusion Card64Exa Card88
- Lowest fees score
- Coin98 Fusion Card72Exa Card67
- Transfers score
- Coin98 Fusion Card39Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Exa Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionExa Card1.5%
- Top-up fee
- Coin98 Fusion Card1%Exa Card1%
- Card spending fee
- Coin98 Fusion CardNot disclosedExa CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeExa Card$1 + 0.65%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeExa CardFree with Exa Wallet
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentExa CardNot available
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedExa CardNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaExa CardVisa
- Card formats
- Coin98 Fusion CardVirtualExa CardVirtual
- ATM withdrawals
- Coin98 Fusion CardAvailableExa CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronExa CardOptimism
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Coin98 Fusion CardNot disclosedExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Coin98 Fusion CardNot disclosedExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Coin98 Fusion CardNot disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Exa Card0%
- Max cashback
- Coin98 Fusion Card0%Exa Card0%
- Reward currency
- Coin98 Fusion CardNot applicableExa CardNo cashback
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredExa CardUp to 0.99776% APY
- How it works
- Coin98 Fusion CardNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Coin98 Fusion CardNot offeredExa CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredExa CardYes
- Lock-up
- Coin98 Fusion CardNot offeredExa CardNo
Trust & availability
6 fields- Custody
- Coin98 Fusion CardHybrid custodyExa CardSelf-custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsExa CardYou keep control
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Exa CardThird National Bank, Third National
- Card processing
- Coin98 Fusion CardNot disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- Coin98 Fusion CardNot disclosedExa CardBridge, Manteca
- Programme operator
- Coin98 Fusion CardNot disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- Coin98 Fusion Card23Exa Card31
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Exa CardAug 23, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 60 for Coin98 Fusion Card. Exa Card has the lower published FX fee (1.5% vs 1.7% foreign-currency conversion). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Travel and 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 Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Exa 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 Exa Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Exa Card
05 · Common questions
Coin98 Fusion vs Exa FAQ
Is Coin98 Fusion or Exa better overall?
Exa Card has the higher Overall Score (66 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 Exa?
Exa Card has the lower published FX fee (1.5% 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 Exa?
Both cards show the same base cashback rate of 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 Exa differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Exa 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 Exa comparison?
The latest information check for these two cards was August 23, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.