Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs Lava: overall score versus use-case fit
Lava Card has the higher Overall Score by 1 point (62 vs 61). Coin98 Fusion Card looks stronger for Travel, Funds control, and Lowest fees, while Lava Card comes out ahead for Cashback and Transfers.
Information checked Oct 6, 202651 official sources reviewed
01 · Overall score versus use-case fit
Lava Card is the better all-round starting point
Lava Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Travel, 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 Fusion61Lava62Higher score
CashbackCoin98 Fusion17Lava36Higher score
TravelCoin98 Fusion65Lava46Higher score
Funds controlCoin98 Fusion64Lava56Higher score
Lowest feesCoin98 Fusion73Lava59Higher score
TransfersCoin98 Fusion39Lava80Higher score
Choose Coin98 Fusion Card if travel and funds control matter most
Coin98 Fusion Card comes out ahead for Travel, 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 Lava Card if cashback and transfers matter most
Lava Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
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 Fusion61Lava62
Lava Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXLava$0 plan · 0% provider FX fee FX
Lava Card has the lower published FX fee (0% provider FX fee vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackLavaUp to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- Coin98 FusionHybrid custodyLavaHybrid custody
Coin98 Fusion Card and Lava Card use the same hybrid custody setup.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayLavaCard format not disclosed · Apple Pay, Google Pay
Coin98 Fusion Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledLava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
Lava 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
- Cashback
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 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 CardOverall61Lava CardOverall62
Coin98 Fusion CardOverall61Lava CardOverall62Scores
6 fields- Overall Score
- Coin98 Fusion Card61Lava Card62
- Cashback score
- Coin98 Fusion Card17Lava Card36
- Travel score
- Coin98 Fusion Card65Lava Card46
- Funds control score
- Coin98 Fusion Card64Lava Card56
- Lowest fees score
- Coin98 Fusion Card73Lava Card59
- Transfers score
- Coin98 Fusion Card39Lava Card80
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyLava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Lava Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionLava Card0% provider FX fee
- Top-up fee
- Coin98 Fusion Card1%Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- Coin98 Fusion CardNot disclosedLava CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeLava Card2%; min $1
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeLava CardNot disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentLava CardNot disclosed
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedLava CardNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedLava CardNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaLava CardVisa
- Card formats
- Coin98 Fusion CardVirtualLava CardNot disclosed
- ATM withdrawals
- Coin98 Fusion CardAvailableLava CardNot disclosed
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidLava CardiOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitLava CardAccount-specific; universal monthly amount not disclosed.
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronLava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTLava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- Coin98 Fusion CardNot disclosedLava CardLava account bank funding
- Transfers
- Coin98 Fusion CardNot disclosedLava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- Coin98 Fusion CardNot disclosedLava CardUSD, EUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Lava CardNot disclosed
- Max cashback
- Coin98 Fusion Card0%Lava Card5%
- Reward currency
- Coin98 Fusion CardNot applicableLava CardBTC
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredLava CardUp to 6.5% APY
- How it works
- Coin98 Fusion CardNot offeredLava CardOptional earn vault
- Separate deposit
- Coin98 Fusion CardNot offeredLava CardYes
- Use balance for spending
- Coin98 Fusion CardNot offeredLava CardNo
- Lock-up
- Coin98 Fusion CardNot offeredLava CardNo
Trust & availability
3 fields- Custody
- Coin98 Fusion CardHybrid custodyLava CardHybrid custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsLava CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Lava CardThird National
Sources
2 fields- Official sources
- Coin98 Fusion Card23Lava Card28
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Lava CardOct 6, 2026
04 · The trade-off
Lava Card is the stronger all-round choice
Lava Card finishes ahead with an Overall Score of 62 versus 61 for Coin98 Fusion Card. Lava Card has the lower published FX fee (0% provider FX fee vs 1.7% foreign-currency conversion). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coin98 Fusion Card still comes out ahead for Travel, 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 and Lava Card use the same hybrid custody setup.
Lava 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 Lava Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Lava Card
05 · Common questions
Coin98 Fusion vs Lava FAQ
Is Coin98 Fusion or Lava better overall?
Lava Card has the higher Overall Score (62 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 Lava?
Lava Card has the lower published FX fee (0% provider FX fee 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 Lava?
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 Lava differ on custody?
Coin98 Fusion Card and Lava Card use the same hybrid custody setup.
How current is this Coin98 Fusion vs Lava comparison?
The latest information check for these two cards was October 6, 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.