Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs ZEN: fees, rewards and account setup
ZEN Card has the higher Overall Score by 17 points (77 vs 60). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coin98 Fusion Card may still be the better personal fit.
Information checked Aug 23, 202666 official sources reviewed
01 · Make the first cut
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Coin98 Fusion Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 Fusion60ZEN77Higher score
CashbackCoin98 Fusion17ZEN39Higher score
TravelCoin98 Fusion65ZEN96Higher score
Funds controlCoin98 Fusion64ZEN65Higher score
Lowest feesCoin98 Fusion72ZEN80Higher score
TransfersCoin98 Fusion39ZEN98Higher score
Choose Coin98 Fusion Card if its day-to-day setup suits you
Coin98 Fusion Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, Travel, Funds control, 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Coin98 Fusion60ZEN77
ZEN Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Coin98 Fusion0% cashbackZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodyZENCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while ZEN 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 PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 fiat
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsCoin98 Fusion CardOverall60ZEN CardOverall77
Coin98 Fusion CardOverall60ZEN CardOverall77Scores
6 fields- Overall Score
- Coin98 Fusion Card60ZEN Card77
- Cashback score
- Coin98 Fusion Card17ZEN Card39
- Travel score
- Coin98 Fusion Card65ZEN Card96
- Funds control score
- Coin98 Fusion Card64ZEN Card65
- Lowest fees score
- Coin98 Fusion Card72ZEN Card80
- Transfers score
- Coin98 Fusion Card39ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applyZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0ZEN Card$0
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionZEN Card0–0.5%
- Top-up fee
- Coin98 Fusion Card1%ZEN Card0–3%
- Card spending fee
- Coin98 Fusion CardNot disclosedZEN Card0%
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeZEN Card0–1.5%
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Coin98 Fusion CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaZEN CardMastercard/Visa
- Card formats
- Coin98 Fusion CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableZEN CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitZEN CardNot publicly confirmed
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronZEN CardNot disclosed
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Coin98 Fusion CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Coin98 Fusion CardNot disclosedZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Coin98 Fusion CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%ZEN Card0%
- Max cashback
- Coin98 Fusion Card0%ZEN CardNot disclosed
- Reward currency
- Coin98 Fusion CardNot applicableZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredZEN CardNot offered
- How it works
- Coin98 Fusion CardNot offeredZEN CardNot offered
- Separate deposit
- Coin98 Fusion CardNot offeredZEN CardNot offered
- Use balance for spending
- Coin98 Fusion CardNot offeredZEN CardNot offered
- Lock-up
- Coin98 Fusion CardNot offeredZEN CardNot offered
Trust & availability
4 fields- Custody
- Coin98 Fusion CardHybrid custodyZEN CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.ZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Coin98 Fusion CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
2 fields- Official sources
- Coin98 Fusion Card23ZEN Card43
- Last reviewed
- Coin98 Fusion CardAug 5, 2026ZEN CardAug 23, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 60 for Coin98 Fusion Card. ZEN Card has the lower published FX fee (0–0.5% vs 1.7% foreign-currency conversion). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Coin98 Fusion Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ZEN Card lists more stablecoins and ways to send money out (5 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 ZEN Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
ZEN Card
05 · Common questions
Coin98 Fusion vs ZEN FAQ
Is Coin98 Fusion or ZEN better overall?
ZEN Card has the higher Overall Score (77 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 ZEN?
ZEN Card has the lower published FX fee (0–0.5% 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 ZEN?
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 ZEN differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while ZEN 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 ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 66 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.