Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs XPlace: overall score versus use-case fit
XPlace Card has the higher Overall Score by 8 points (68 vs 60). Coin98 Fusion Card looks stronger for Travel and Lowest fees, while XPlace Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Aug 27, 202649 official sources reviewed
01 · Overall score versus use-case fit
XPlace Card is the better all-round starting point
XPlace 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 Fusion60XPlace68Higher score
CashbackCoin98 Fusion17XPlace49Higher score
TravelCoin98 Fusion65XPlace61Higher score
Funds controlCoin98 Fusion64XPlace67Higher score
Lowest feesCoin98 Fusion72XPlace69Higher score
TransfersCoin98 Fusion39XPlace62Higher 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 XPlace Card if cashback and funds control matter most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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 Fusion60XPlace68
XPlace Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXXPlace$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackXPlace0.5% base · up to 4%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Coin98 FusionHybrid custodyXPlaceHybrid custody
Coin98 Fusion Card and XPlace Card use the same hybrid custody setup.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PayXPlaceVirtual + Physical · Apple Pay, Google Pay
XPlace Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledXPlace2 stablecoins · Stablecoin transfers
XPlace 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall60XPlace CardOverall68
Coin98 Fusion CardOverall60XPlace CardOverall68Scores
6 fields- Overall Score
- Coin98 Fusion Card60XPlace Card68
- Cashback score
- Coin98 Fusion Card17XPlace Card49
- Travel score
- Coin98 Fusion Card65XPlace Card61
- Funds control score
- Coin98 Fusion Card64XPlace Card67
- Lowest fees score
- Coin98 Fusion Card72XPlace Card69
- Transfers score
- Coin98 Fusion Card39XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0XPlace Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionXPlace Card0–1%
- Top-up fee
- Coin98 Fusion Card1%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Coin98 Fusion CardNot disclosedXPlace Card0%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeXPlace CardNot available
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeXPlace CardNot disclosed
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Coin98 Fusion CardNot disclosedXPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaXPlace CardVisa
- Card formats
- Coin98 Fusion CardVirtualXPlace CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableXPlace CardNot available
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronXPlace CardSolana
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTXPlace CardStablecoins: USDC
- Fiat deposits
- Coin98 Fusion CardNot disclosedXPlace CardNot disclosed
- Transfers
- Coin98 Fusion CardNot disclosedXPlace CardStablecoin transfers
- Payout currencies
- Coin98 Fusion CardNot disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%XPlace Card0.5%
- Max cashback
- Coin98 Fusion Card0%XPlace Card4%
- Reward currency
- Coin98 Fusion CardNot applicableXPlace CardUSDC
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredXPlace CardUp to 6.15% APY
- How it works
- Coin98 Fusion CardNot offeredXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Coin98 Fusion CardNot offeredXPlace CardYes
- Use balance for spending
- Coin98 Fusion CardNot offeredXPlace CardNo
- Lock-up
- Coin98 Fusion CardNot offeredXPlace CardNo
Trust & availability
5 fields- Custody
- Coin98 Fusion CardHybrid custodyXPlace CardHybrid custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.XPlace CardThird National
- Card processing
- Coin98 Fusion CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- Coin98 Fusion CardNot disclosedXPlace CardSumsub
Sources
2 fields- Official sources
- Coin98 Fusion Card23XPlace Card26
- Last reviewed
- Coin98 Fusion CardAug 5, 2026XPlace CardAug 27, 2026
04 · The trade-off
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 versus 60 for Coin98 Fusion Card. XPlace Card has the lower published FX fee (0–1% vs 1.7% foreign-currency conversion). XPlace Card has the higher published base cashback rate (0.5% 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 XPlace Card use the same hybrid custody setup.
XPlace 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 XPlace Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
XPlace Card
05 · Common questions
Coin98 Fusion vs XPlace FAQ
Is Coin98 Fusion or XPlace better overall?
XPlace Card has the higher Overall Score (68 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 XPlace?
XPlace Card has the lower published FX fee (0–1% 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 XPlace?
XPlace Card has the higher published base cashback rate (0.5% 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 XPlace differ on custody?
Coin98 Fusion Card and XPlace Card use the same hybrid custody setup.
How current is this Coin98 Fusion vs XPlace comparison?
The latest information check for these two cards was August 27, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.