Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs Tangem: overall score versus use-case fit
Tangem Card has the higher Overall Score by 16 points (77 vs 61). Coin98 Fusion Card looks stronger for Travel and Lowest fees, while Tangem Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Oct 11, 202643 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Travel 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 Fusion61Tangem77Higher score
CashbackCoin98 Fusion17Tangem73Higher score
TravelCoin98 Fusion65Tangem63Higher score
Funds controlCoin98 Fusion64Tangem87Higher score
Lowest feesCoin98 Fusion73Tangem52Higher score
TransfersCoin98 Fusion39Tangem65Higher score
Choose Coin98 Fusion Card if travel and lowest fees matter most
Coin98 Fusion Card comes out ahead for Travel 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 Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback, 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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 Fusion61Tangem77
Tangem Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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% cashbackTangem1% base · up to 2%
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyTangemHybrid custody
Coin98 Fusion Card and Tangem Card use the same hybrid custody setup.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayTangemVirtual + Physical · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledTangem2 stablecoins · Stablecoin transfers
Tangem Card lists more stablecoins and ways to send money out (3 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
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 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 CardOverall61Tangem CardOverall77
Coin98 Fusion CardOverall61Tangem CardOverall77Scores
6 fields- Overall Score
- Coin98 Fusion Card61Tangem Card77
- Cashback score
- Coin98 Fusion Card17Tangem Card73
- Travel score
- Coin98 Fusion Card65Tangem Card63
- Funds control score
- Coin98 Fusion Card64Tangem Card87
- Lowest fees score
- Coin98 Fusion Card73Tangem Card52
- Transfers score
- Coin98 Fusion Card39Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyTangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Tangem Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionTangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Coin98 Fusion Card1%Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Coin98 Fusion CardNot disclosedTangem Card0%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeTangem Card2–4%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeTangem Card$0 for the first virtual card
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentTangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedTangem Card2 plans: Basic, Plus
- Top cashback plan
- Coin98 Fusion CardNot disclosedTangem CardPlus: 2%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaTangem CardVisa
- Card formats
- Coin98 Fusion CardVirtualTangem CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableTangem CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidTangem CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTTangem CardStablecoins: USDC, USDT
- Fiat deposits
- Coin98 Fusion CardNot disclosedTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Coin98 Fusion CardNot disclosedTangem CardStablecoin transfers
- Payout currencies
- Coin98 Fusion CardNot disclosedTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Tangem Card1%
- Max cashback
- Coin98 Fusion Card0%Tangem Card2%
- Reward currency
- Coin98 Fusion CardNot applicableTangem CardUSDC
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredTangem CardNot offered
- How it works
- Coin98 Fusion CardNot offeredTangem CardNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredTangem CardNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredTangem CardNot offered
- Lock-up
- Coin98 Fusion CardNot offeredTangem CardNot offered
Trust & availability
5 fields- Custody
- Coin98 Fusion CardHybrid custodyTangem CardHybrid custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsTangem CardYou keep control
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Tangem CardThird National
- Card processing
- Coin98 Fusion CardNot disclosedTangem CardPaera LLC
- Identity verification
- Coin98 Fusion CardNot disclosedTangem CardSumsub
Sources
2 fields- Official sources
- Coin98 Fusion Card23Tangem Card20
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Tangem CardOct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 61 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. Tangem Card has the higher published base cashback rate (1% vs 0%).
Coin98 Fusion Card still comes out ahead for Travel 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 Tangem Card use the same hybrid custody setup.
Tangem Card lists more stablecoins and ways to send money out (3 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 Tangem Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Tangem Card
05 · Common questions
Coin98 Fusion vs Tangem FAQ
Is Coin98 Fusion or Tangem better overall?
Tangem Card has the higher Overall Score (77 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 Tangem?
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 Tangem?
Tangem 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 Tangem differ on custody?
Coin98 Fusion Card and Tangem Card use the same hybrid custody setup.
How current is this Coin98 Fusion vs Tangem comparison?
The latest information check for these two cards was October 11, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.