Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Fold Debit: overall score versus use-case fit
Fold Debit Card has the higher Overall Score by 12 points (72 vs 60). Coin98 Fusion Card looks stronger for Funds control and Lowest fees, while Fold Debit Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 14, 202652 official sources reviewed
01 · Overall score versus use-case fit
Fold Debit Card is the better all-round starting point
Fold Debit Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control 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 Fusion60Fold Debit72Higher score
CashbackCoin98 Fusion17Fold Debit40Higher score
TravelCoin98 Fusion65Fold Debit78Higher score
Funds controlCoin98 Fusion64Fold Debit59Higher score
Lowest feesCoin98 Fusion72Fold Debit71Higher score
TransfersCoin98 Fusion39Fold Debit77Higher score
Choose Coin98 Fusion Card if funds control and lowest fees matter most
Coin98 Fusion Card comes out ahead for Funds control 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 Fold Debit Card if cashback and travel matter most
Fold Debit Card comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Several USD funding routes
- Physical card and phone wallets
- Fold+ bitcoin rewards
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 Fusion60Fold Debit72
Fold Debit Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXFold Debit$0 plan · $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Coin98 Fusion0% cashbackFold Debit0% base · up to 15%
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodyFold DebitCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Fold Debit 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 PayFold DebitVirtual + Physical · Apple Pay, Google Pay
Fold Debit Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledFold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
Fold Debit Card lists more stablecoins and ways to send money out (4 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
- 0%-15%
- Plan cost
- $0
- FX fee
- $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- ATM fee
- $3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 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 CardOverall60Fold Debit CardOverall72
Coin98 Fusion CardOverall60Fold Debit CardOverall72Scores
6 fields- Overall Score
- Coin98 Fusion Card60Fold Debit Card72
- Cashback score
- Coin98 Fusion Card17Fold Debit Card40
- Travel score
- Coin98 Fusion Card65Fold Debit Card78
- Funds control score
- Coin98 Fusion Card64Fold Debit Card59
- Lowest fees score
- Coin98 Fusion Card72Fold Debit Card71
- Transfers score
- Coin98 Fusion Card39Fold Debit Card77
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksFold Debit CardSeveral USD funding routes, Physical card and phone wallets
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyFold Debit CardU.S.-only applications, Free-plan ATM and foreign fees
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Fold Debit Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionFold Debit Card$3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- Top-up fee
- Coin98 Fusion Card1%Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
- Card spending fee
- Coin98 Fusion CardNot disclosedFold Debit Card0%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeFold Debit Card$3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeFold Debit CardNot disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentFold Debit Card$0 card purchase fee
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedFold Debit Card2 plans: Fold, Fold+
- Top cashback plan
- Coin98 Fusion CardNot disclosedFold Debit CardFold+: 0.5%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaFold Debit CardVisa
- Card formats
- Coin98 Fusion CardVirtualFold Debit CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableFold Debit CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayFold Debit CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidFold Debit CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitFold Debit Card$15,000 per transaction and per day
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitFold Debit Card$50,000 per month
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearFold Debit Card$250 per withdrawal; $1,000 daily and monthly
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronFold Debit CardNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTFold Debit CardNot disclosed
- Fiat deposits
- Coin98 Fusion CardNot disclosedFold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card funding
- Transfers
- Coin98 Fusion CardNot disclosedFold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
- Payout currencies
- Coin98 Fusion CardNot disclosedFold Debit CardUSD, USD cash equivalent
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Fold Debit Card0%
- Max cashback
- Coin98 Fusion Card0%Fold Debit Card15%
- Reward currency
- Coin98 Fusion CardNot applicableFold Debit CardBitcoin
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredFold Debit CardNot offered
- How it works
- Coin98 Fusion CardNot offeredFold Debit CardNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredFold Debit CardNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredFold Debit CardNot offered
- Lock-up
- Coin98 Fusion CardNot offeredFold Debit CardNot offered
Trust & availability
6 fields- Custody
- Coin98 Fusion CardHybrid custodyFold Debit CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsFold Debit CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Fold Debit CardSutton Bank
- Card processing
- Coin98 Fusion CardNot disclosedFold Debit CardMarqeta, Inc.
- Custody / key management
- Coin98 Fusion CardNot disclosedFold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLC
- Bank transfers
- Coin98 Fusion CardNot disclosedFold Debit CardPlaid Inc., Astra, Inc.
Sources
2 fields- Official sources
- Coin98 Fusion Card23Fold Debit Card29
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Fold Debit CardAug 14, 2026
04 · The trade-off
Fold Debit Card is the stronger all-round choice
Fold Debit Card finishes ahead with an Overall Score of 72 versus 60 for Coin98 Fusion Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Funds control 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 Fold Debit Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Fold Debit Card lists more stablecoins and ways to send money out (4 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 Fold Debit Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Fold Debit Card
05 · Common questions
Coin98 Fusion vs Fold Debit FAQ
Is Coin98 Fusion or Fold Debit better overall?
Fold Debit Card has the higher Overall Score (72 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 Fold Debit?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Fold Debit?
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 Fold Debit differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Fold Debit 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 Fold Debit comparison?
The latest information check for these two cards was August 14, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.