Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Kolo: overall score versus use-case fit
Kolo Card has the higher Overall Score by 13 points (73 vs 60). Coin98 Fusion Card looks stronger for Funds control, while Kolo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202651 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control. 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 Fusion60Kolo73Higher score
CashbackCoin98 Fusion17Kolo54Higher score
TravelCoin98 Fusion65Kolo70Higher score
Funds controlCoin98 Fusion64Kolo56Higher score
Lowest feesCoin98 Fusion72Kolo83Higher score
TransfersCoin98 Fusion39Kolo92Higher score
Choose Coin98 Fusion Card if funds control matters most
Coin98 Fusion Card comes out ahead for Funds control 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 Kolo Card if cashback and travel matter most
Kolo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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 Fusion60Kolo73
Kolo Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXKolo$0 plan · 1% FX
Kolo Card has the lower published FX fee (1% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackKolo1% base · up to 2%
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyKoloCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Kolo 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 PayKoloVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledKolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 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 CardOverall60Kolo CardOverall73
Coin98 Fusion CardOverall60Kolo CardOverall73Scores
6 fields- Overall Score
- Coin98 Fusion Card60Kolo Card73
- Cashback score
- Coin98 Fusion Card17Kolo Card54
- Travel score
- Coin98 Fusion Card65Kolo Card70
- Funds control score
- Coin98 Fusion Card64Kolo Card56
- Lowest fees score
- Coin98 Fusion Card72Kolo Card83
- Transfers score
- Coin98 Fusion Card39Kolo Card92
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksKolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 days
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyKolo CardConversion and FX fees can stack, Card spending uses a custodial wallet
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Kolo Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionKolo Card1%
- Top-up fee
- Coin98 Fusion Card1%Kolo Card0%
- Card spending fee
- Coin98 Fusion CardNot disclosedKolo CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeKolo Card$1 + 0.65%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeKolo CardFree
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentKolo CardPlanned for Q3 2026; not currently available
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedKolo CardNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedKolo CardNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaKolo CardVisa
- Card formats
- Coin98 Fusion CardVirtualKolo CardVirtual
- ATM withdrawals
- Coin98 Fusion CardAvailableKolo CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayKolo CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidKolo CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitKolo Card$9,000/day
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitKolo Card$9,000/month
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearKolo Card$500/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronKolo CardNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTKolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10
- Fiat deposits
- Coin98 Fusion CardNot disclosedKolo CardNot disclosed
- Transfers
- Coin98 Fusion CardNot disclosedKolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawal
- Payout currencies
- Coin98 Fusion CardNot disclosedKolo CardEUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Kolo Card1%
- Max cashback
- Coin98 Fusion Card0%Kolo Card2%
- Reward currency
- Coin98 Fusion CardNot applicableKolo CardBTC cashback
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredKolo CardNot offered
- How it works
- Coin98 Fusion CardNot offeredKolo CardNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredKolo CardNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredKolo CardNot offered
- Lock-up
- Coin98 Fusion CardNot offeredKolo CardNot offered
Trust & availability
5 fields- Custody
- Coin98 Fusion CardHybrid custodyKolo CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsKolo CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Kolo CardBanco Popular de Puerto Rico, Wirex Limited
- Identity verification
- Coin98 Fusion CardNot disclosedKolo CardSumSub
- Programme operator
- Coin98 Fusion CardNot disclosedKolo CardHardline Holding Limited
Sources
2 fields- Official sources
- Coin98 Fusion Card23Kolo Card28
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Kolo CardAug 28, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 60 for Coin98 Fusion Card. Kolo Card has the lower published FX fee (1% vs 1.7% foreign-currency conversion). Kolo Card has the higher published base cashback rate (1% vs 0%).
Coin98 Fusion Card still comes out ahead for Funds control, 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 Kolo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Kolo Card
05 · Common questions
Coin98 Fusion vs Kolo FAQ
Is Coin98 Fusion or Kolo better overall?
Kolo Card has the higher Overall Score (73 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 Kolo?
Kolo Card has the lower published FX fee (1% 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 Kolo?
Kolo Card has the higher published base cashback rate (1% 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 Kolo differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Kolo 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 Kolo comparison?
The latest information check for these two cards was August 28, 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.