Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 10 points (70 vs 60). Coin98 Fusion Card looks stronger for Funds control, while Xapo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202644 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control. 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 Fusion60Xapo70Higher score
CashbackCoin98 Fusion17Xapo24Higher score
TravelCoin98 Fusion65Xapo91Higher score
Funds controlCoin98 Fusion64Xapo63Higher score
Lowest feesCoin98 Fusion72Xapo77Higher score
TransfersCoin98 Fusion39Xapo100Higher score
Choose Coin98 Fusion Card if funds control matters most
Coin98 Fusion Card comes out ahead for Funds control 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 Xapo Card if cashback and travel matter most
Xapo Card comes out ahead for Cashback, Travel, Lowest fees, 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 Xapo FX markup
- Account-backed bank and crypto rails
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 Fusion60Xapo70
Xapo Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXXapo$1,000/year plan · 0–0.29% FX
Coin98 Fusion Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Coin98 Fusion0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodyXapoCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Xapo Card 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 PayXapoVirtual + Physical · Unknown
Coin98 Fusion Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall60Xapo CardOverall70
Coin98 Fusion CardOverall60Xapo CardOverall70Scores
6 fields- Overall Score
- Coin98 Fusion Card60Xapo Card70
- Cashback score
- Coin98 Fusion Card17Xapo Card24
- Travel score
- Coin98 Fusion Card65Xapo Card91
- Funds control score
- Coin98 Fusion Card64Xapo Card63
- Lowest fees score
- Coin98 Fusion Card72Xapo Card77
- Transfers score
- Coin98 Fusion Card39Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Xapo Card$1,000/year
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionXapo Card0–0.29%
- Top-up fee
- Coin98 Fusion Card1%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Coin98 Fusion CardNot disclosedXapo Card0%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeXapo Card0–2%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Coin98 Fusion CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaXapo CardVisa/Mastercard
- Card formats
- Coin98 Fusion CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableXapo CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Coin98 Fusion CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Coin98 Fusion CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Coin98 Fusion CardNot disclosedXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Coin98 Fusion CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Xapo Card0%
- Max cashback
- Coin98 Fusion Card0%Xapo Card3%
- Reward currency
- Coin98 Fusion CardNot applicableXapo CardBTC
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredXapo CardUp to 3.35% APY
- How it works
- Coin98 Fusion CardNot offeredXapo CardEarn on spending balance
- Separate deposit
- Coin98 Fusion CardNot offeredXapo CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredXapo CardYes
- Lock-up
- Coin98 Fusion CardNot offeredXapo CardNo
Trust & availability
4 fields- Custody
- Coin98 Fusion CardHybrid custodyXapo CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Xapo CardTransact Payments Malta Limited
- Bank transfers
- Coin98 Fusion CardNot disclosedXapo CardXapo Bank Limited
Sources
2 fields- Official sources
- Coin98 Fusion Card23Xapo Card21
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Funds control, 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Xapo Card
05 · Common questions
Coin98 Fusion vs Xapo FAQ
Is Coin98 Fusion or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
Coin98 Fusion Card has the lower starting plan cost ($0 vs $1,000/year). 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 Xapo?
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 Xapo differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Xapo Card 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.