Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 15 points (75 vs 60). Coin98 Fusion Card looks stronger for Lowest fees, while Holyheld Card comes out ahead for Cashback, Travel, Funds control, and Transfers.
Information checked Aug 12, 202651 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for 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 Fusion60Holyheld75Higher score
CashbackCoin98 Fusion17Holyheld64Higher score
TravelCoin98 Fusion65Holyheld68Higher score
Funds controlCoin98 Fusion64Holyheld74Higher score
Lowest feesCoin98 Fusion72Holyheld67Higher score
TransfersCoin98 Fusion39Holyheld81Higher score
Choose Coin98 Fusion Card if lowest fees matters most
Coin98 Fusion Card comes out ahead for 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 Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
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 Fusion60Holyheld75
Holyheld Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Coin98 Fusion0% cashbackHolyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyHolyheldHybrid custody
Coin98 Fusion Card and Holyheld Card use the same hybrid custody setup.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Holyheld 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
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 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 CardOverall60Holyheld CardOverall75
Coin98 Fusion CardOverall60Holyheld CardOverall75Scores
6 fields- Overall Score
- Coin98 Fusion Card60Holyheld Card75
- Cashback score
- Coin98 Fusion Card17Holyheld Card64
- Travel score
- Coin98 Fusion Card65Holyheld Card68
- Funds control score
- Coin98 Fusion Card64Holyheld Card74
- Lowest fees score
- Coin98 Fusion Card72Holyheld Card67
- Transfers score
- Coin98 Fusion Card39Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Holyheld Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Coin98 Fusion Card1%Holyheld Card0%
- Card spending fee
- Coin98 Fusion CardNot disclosedHolyheld Card€0.50
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Coin98 Fusion CardNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaHolyheld CardMastercard
- Card formats
- Coin98 Fusion CardVirtualHolyheld CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableHolyheld CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Coin98 Fusion CardNot disclosedHolyheld CardPersonal EUR IBAN
- Transfers
- Coin98 Fusion CardNot disclosedHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Coin98 Fusion CardNot disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Holyheld Card0.5%
- Max cashback
- Coin98 Fusion Card0%Holyheld Card1%
- Reward currency
- Coin98 Fusion CardNot applicableHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredHolyheld CardNot disclosed
- How it works
- Coin98 Fusion CardNot offeredHolyheld CardOptional earn vault
- Separate deposit
- Coin98 Fusion CardNot offeredHolyheld CardYes
- Use balance for spending
- Coin98 Fusion CardNot offeredHolyheld CardNot disclosed
- Lock-up
- Coin98 Fusion CardNot offeredHolyheld CardNo
Trust & availability
5 fields- Custody
- Coin98 Fusion CardHybrid custodyHolyheld CardHybrid custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Holyheld CardUnlimit EU Ltd
- Identity verification
- Coin98 Fusion CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Coin98 Fusion CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Coin98 Fusion Card23Holyheld Card28
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Coin98 Fusion Card still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card and Holyheld Card use the same hybrid custody setup.
Holyheld 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 Holyheld Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Holyheld Card
05 · Common questions
Coin98 Fusion vs Holyheld FAQ
Is Coin98 Fusion or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 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 Holyheld?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). 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 Holyheld?
Holyheld Card has the higher published base cashback rate (0.5% 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 Holyheld differ on custody?
Coin98 Fusion Card and Holyheld Card use the same hybrid custody setup.
How current is this Coin98 Fusion vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.