Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Spritz: overall score versus use-case fit
Spritz Card has the higher Overall Score by 2 points (62 vs 60). Coin98 Fusion Card looks stronger for Travel, Funds control, and Lowest fees, while Spritz Card comes out ahead for Cashback and Transfers.
Information checked Aug 28, 202664 official sources reviewed
01 · Overall score versus use-case fit
Spritz Card is the better all-round starting point
Spritz 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 Fusion60Spritz62Higher score
CashbackCoin98 Fusion17Spritz34Higher score
TravelCoin98 Fusion65Spritz46Higher score
Funds controlCoin98 Fusion64Spritz62Higher score
Lowest feesCoin98 Fusion72Spritz44Higher score
TransfersCoin98 Fusion39Spritz64Higher 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 Spritz Card if cashback and transfers matter most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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 Fusion60Spritz62
Spritz Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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% cashbackSpritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodySpritzHybrid custody
Coin98 Fusion Card and Spritz Card use the same hybrid custody setup.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Coin98 Fusion Card lists more stablecoins and ways to send money out (2 vs 1).
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%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall60Spritz CardOverall62
Coin98 Fusion CardOverall60Spritz CardOverall62Scores
6 fields- Overall Score
- Coin98 Fusion Card60Spritz Card62
- Cashback score
- Coin98 Fusion Card17Spritz Card34
- Travel score
- Coin98 Fusion Card65Spritz Card46
- Funds control score
- Coin98 Fusion Card64Spritz Card62
- Lowest fees score
- Coin98 Fusion Card72Spritz Card44
- Transfers score
- Coin98 Fusion Card39Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applySpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Spritz Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Coin98 Fusion Card1%Spritz Card1–3%
- Card spending fee
- Coin98 Fusion CardNot disclosedSpritz Card0%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeSpritz CardNot disclosed
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeSpritz CardNot disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentSpritz CardNot disclosed
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaSpritz CardVisa
- Card formats
- Coin98 Fusion CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitSpritz CardNot disclosed
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Coin98 Fusion CardNot disclosedSpritz CardNot disclosed
- Transfers
- Coin98 Fusion CardNot disclosedSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Coin98 Fusion CardNot disclosedSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Spritz Card0%
- Max cashback
- Coin98 Fusion Card0%Spritz Card5%
- Reward currency
- Coin98 Fusion CardNot applicableSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredSpritz CardNot offered
- How it works
- Coin98 Fusion CardNot offeredSpritz CardNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredSpritz CardNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredSpritz CardNot offered
- Lock-up
- Coin98 Fusion CardNot offeredSpritz CardNot offered
Trust & availability
4 fields- Custody
- Coin98 Fusion CardHybrid custodySpritz CardHybrid custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Spritz CardNot disclosed
- Card processing
- Coin98 Fusion CardNot disclosedSpritz CardRain
Sources
2 fields- Official sources
- Coin98 Fusion Card23Spritz Card41
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Spritz CardAug 28, 2026
04 · The trade-off
Spritz Card is the stronger all-round choice
Spritz Card finishes ahead with an Overall Score of 62 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 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 Spritz Card use the same hybrid custody setup.
Coin98 Fusion Card lists more stablecoins and ways to send money out (2 vs 1). 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 Spritz Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Spritz Card
05 · Common questions
Coin98 Fusion vs Spritz FAQ
Is Coin98 Fusion or Spritz better overall?
Spritz Card has the higher Overall Score (62 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Coin98 Fusion Card and Spritz Card use the same hybrid custody setup.
How current is this Coin98 Fusion vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.