Coin98Coin98 Fusion
61
Side-by-side card comparison
Coin98 Fusion vs WhiteBIT Nova USD: overall score versus use-case fit
Coin98 Fusion Card has the higher Overall Score by 2 points (61 vs 59). Coin98 Fusion Card looks stronger for Travel, Funds control, and Lowest fees, while WhiteBIT Nova USD comes out ahead for Cashback and Transfers.
Information checked Oct 16, 202640 official sources reviewed
01 · Overall score versus use-case fit
Coin98 Fusion Card is the better all-round starting point
Coin98 Fusion Card has the higher Overall Score in this comparison. WhiteBIT Nova USD may be the better fit for Cashback and Transfers. 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 Fusion61WhiteBIT Nova USD59Higher score
CashbackCoin98 Fusion17WhiteBIT Nova USD25Higher score
TravelCoin98 Fusion65WhiteBIT Nova USD36Higher score
Funds controlCoin98 Fusion64WhiteBIT Nova USD49Higher score
Lowest feesCoin98 Fusion73WhiteBIT Nova USD60Higher score
TransfersCoin98 Fusion39WhiteBIT Nova USD86Higher 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 WhiteBIT Nova USD if cashback and transfers matter most
WhiteBIT Nova USD 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.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance 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 Fusion61WhiteBIT Nova USD59
Coin98 Fusion Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXWhiteBIT Nova USDNot disclosed plan · 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete FX
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackWhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodyWhiteBIT Nova USDCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while WhiteBIT Nova USD 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 PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
WhiteBIT Nova USD lists more stablecoins and ways to send money out (4 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
- 0%-10%
- Plan cost
- Not disclosed
- FX fee
- 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 2 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 CardOverall61WhiteBIT Nova USDOverall59
Coin98 Fusion CardOverall61WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Coin98 Fusion Card61WhiteBIT Nova USD59
- Cashback score
- Coin98 Fusion Card17WhiteBIT Nova USD25
- Travel score
- Coin98 Fusion Card65WhiteBIT Nova USD36
- Funds control score
- Coin98 Fusion Card64WhiteBIT Nova USD49
- Lowest fees score
- Coin98 Fusion Card73WhiteBIT Nova USD60
- Transfers score
- Coin98 Fusion Card39WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0WhiteBIT Nova USDNot disclosed
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Coin98 Fusion Card1%WhiteBIT Nova USD0%
- Card spending fee
- Coin98 Fusion CardNot disclosedWhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeWhiteBIT Nova USDNot available
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeWhiteBIT Nova USD$0 issuance
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentWhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Coin98 Fusion CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaWhiteBIT Nova USDVisa
- Card formats
- Coin98 Fusion CardVirtualWhiteBIT Nova USDVirtual
- ATM withdrawals
- Coin98 Fusion CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Coin98 Fusion CardNot disclosedWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Coin98 Fusion CardNot disclosedWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Coin98 Fusion CardNot disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%WhiteBIT Nova USD0%
- Max cashback
- Coin98 Fusion Card0%WhiteBIT Nova USD10%
- Reward currency
- Coin98 Fusion CardNot applicableWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredWhiteBIT Nova USDNot offered
- How it works
- Coin98 Fusion CardNot offeredWhiteBIT Nova USDNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredWhiteBIT Nova USDNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredWhiteBIT Nova USDNot offered
- Lock-up
- Coin98 Fusion CardNot offeredWhiteBIT Nova USDNot offered
Trust & availability
3 fields- Custody
- Coin98 Fusion CardHybrid custodyWhiteBIT Nova USDCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.WhiteBIT Nova USDJSC Hash Bank
Sources
2 fields- Official sources
- Coin98 Fusion Card23WhiteBIT Nova USD17
- Last reviewed
- Coin98 Fusion CardAug 5, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
Coin98 Fusion Card is the stronger all-round choice
Coin98 Fusion Card finishes ahead with an Overall Score of 61 versus 59 for WhiteBIT Nova USD. WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete vs 1.7% foreign-currency conversion). Both cards show the same base cashback rate of 0%.
WhiteBIT Nova USD still comes out ahead for Cashback and Transfers, 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 WhiteBIT Nova USD uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
WhiteBIT Nova USD lists more stablecoins and ways to send money out (4 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 WhiteBIT Nova USD reviews first.
Continue with
Coin98 Fusion Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Coin98 Fusion vs WhiteBIT Nova USD FAQ
Is Coin98 Fusion or WhiteBIT Nova USD better overall?
Coin98 Fusion Card has the higher Overall Score (61 vs 59). 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 WhiteBIT Nova USD?
WhiteBIT Nova USD has the lower published FX fee (1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete 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 WhiteBIT Nova USD?
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 WhiteBIT Nova USD differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while WhiteBIT Nova USD 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 WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.