Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 9 points (70 vs 61). Coin98 Fusion Card looks stronger for Funds control and Lowest fees, while Uphold Card US comes out ahead for Cashback, Travel, and Transfers.
Information checked Oct 14, 202636 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for 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 Fusion61Uphold US70Higher score
CashbackCoin98 Fusion17Uphold US75Higher score
TravelCoin98 Fusion65Uphold US71Higher score
Funds controlCoin98 Fusion64Uphold US44Higher score
Lowest feesCoin98 Fusion73Uphold US56Higher score
TransfersCoin98 Fusion39Uphold US65Higher score
Choose Coin98 Fusion Card if funds control and lowest fees matter most
Coin98 Fusion Card comes out ahead for 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 Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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 Fusion61Uphold US70
Uphold Card US has the higher Overall Score by 9 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyUphold USCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledUphold US0 stablecoins · US bank withdrawal
Both cards list the same number of stablecoins and ways to send money out.
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 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 CardOverall61Uphold Card USOverall70
Coin98 Fusion CardOverall61Uphold Card USOverall70Scores
6 fields- Overall Score
- Coin98 Fusion Card61Uphold Card US70
- Cashback score
- Coin98 Fusion Card17Uphold Card US75
- Travel score
- Coin98 Fusion Card65Uphold Card US71
- Funds control score
- Coin98 Fusion Card64Uphold Card US44
- Lowest fees score
- Coin98 Fusion Card73Uphold Card US56
- Transfers score
- Coin98 Fusion Card39Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Uphold Card US$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionUphold Card US0–1.5%
- Top-up fee
- Coin98 Fusion Card1%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Coin98 Fusion CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeUphold Card USFree on both plans
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Coin98 Fusion CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaUphold Card USVisa
- Card formats
- Coin98 Fusion CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableUphold Card USAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronUphold Card USNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTUphold Card USNot disclosed
- Fiat deposits
- Coin98 Fusion CardNot disclosedUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Coin98 Fusion CardNot disclosedUphold Card USUS bank withdrawal
- Payout currencies
- Coin98 Fusion CardNot disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Uphold Card US2%
- Max cashback
- Coin98 Fusion Card0%Uphold Card US4%
- Reward currency
- Coin98 Fusion CardNot applicableUphold Card USXRP
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredUphold Card USNot offered
- How it works
- Coin98 Fusion CardNot offeredUphold Card USNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredUphold Card USNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredUphold Card USNot offered
- Lock-up
- Coin98 Fusion CardNot offeredUphold Card USNot offered
Trust & availability
4 fields- Custody
- Coin98 Fusion CardHybrid custodyUphold Card USCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Uphold Card USCross River Bank
- Custody / key management
- Coin98 Fusion CardNot disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Coin98 Fusion Card23Uphold Card US13
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 61 for Coin98 Fusion Card. Uphold Card US has the lower published FX fee (0–1.5% vs 1.7% foreign-currency conversion). Uphold Card US has the higher published base cashback rate (2% vs 0%).
Coin98 Fusion Card still comes out ahead for 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 uses a hybrid custody setup, while Uphold Card US uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Uphold Card US reviews first.
Continue with
Coin98 Fusion Card
Continue with
Uphold Card US
05 · Common questions
Coin98 Fusion vs Uphold US FAQ
Is Coin98 Fusion or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 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 Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% 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 Uphold US differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.