No CEXFree base plan
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Low FXNo CEX
- Cashback
- 0.5%-4%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Metal cardNo CEX
- Cashback
- 0.5%-1%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Mastercard
Self-custodyMetal card
- Cashback
- 1.5%-6%
- Plan cost
- $25/year
- Custody
- Self Custody
- Network
- Visa
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Coin98 Fusion CardOverall61
XPlace CardOverall68
Holyheld CardOverall75
Tria CardOverall67
Coin98 Fusion CardOverall61XPlace CardOverall68Holyheld CardOverall75Tria CardOverall67Scores
6 fields- Overall Score
- Coin98 Fusion Card61XPlace Card68Holyheld Card75Tria Card67
- Cashback score
- Coin98 Fusion Card17XPlace Card49Holyheld Card64Tria Card45
- Travel score
- Coin98 Fusion Card65XPlace Card61Holyheld Card68Tria Card63
- Funds control score
- Coin98 Fusion Card64XPlace Card67Holyheld Card74Tria Card91
- Lowest fees score
- Coin98 Fusion Card73XPlace Card69Holyheld Card67Tria Card51
- Transfers score
- Coin98 Fusion Card39XPlace Card62Holyheld Card81Tria Card63
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 capsHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- 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 layersHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0XPlace Card$0Holyheld Card$0Tria Card$25/year
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionXPlace Card0–1%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyTria Card0–3%
- Top-up fee
- Coin98 Fusion Card1%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesHolyheld Card0%Tria Card1%
- Card spending fee
- Coin98 Fusion CardNot disclosedXPlace Card0%Holyheld Card€0.50Tria CardNot disclosed
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeXPlace CardNot availableHolyheld CardUp to EUR 2 + 2.5%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeXPlace CardNot disclosedHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessTria Card$25/year Virtual membership; issued after payment and KYC
- 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.Holyheld CardClassic: EUR 29; Metal: EUR 199Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, PlatinumHolyheld Card3 plans: Classic, Limited Edition, MetalTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Coin98 Fusion CardNot disclosedXPlace CardPlatinum: 2%Holyheld CardMetal: 1%Tria CardPremium: 6%
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaXPlace CardVisaHolyheld CardMastercardTria CardVisa
- Card formats
- Coin98 Fusion CardVirtualXPlace CardVirtual, PhysicalHolyheld CardVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableXPlace CardNot availableHolyheld CardAvailableTria CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PayXPlace CardApple Pay, Google PayHolyheld CardApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidXPlace CardiOS, AndroidHolyheld CardiOS, Android, WebTria CardiOS, Android, Web
- 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 controlsHolyheld CardEUR 10,000 dailyTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- 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 monthHolyheld CardEUR 25,000 monthly; EUR 250,000 annuallyTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- 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 liveHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronXPlace CardSolanaHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTXPlace CardStablecoins: USDCHolyheld CardStablecoins: USDC, USDTTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Coin98 Fusion CardNot disclosedXPlace CardNot disclosedHolyheld CardPersonal EUR IBANTria CardNot disclosed
- Transfers
- Coin98 Fusion CardNot disclosedXPlace CardStablecoin transfersHolyheld CardStablecoin transfers; Outgoing SEPA transferTria CardStablecoin transfers
- Payout currencies
- Coin98 Fusion CardNot disclosedXPlace CardNot disclosedHolyheld CardEURTria CardNot disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%XPlace Card0.5%Holyheld Card0.5%Tria Card1.5%
- Max cashback
- Coin98 Fusion Card0%XPlace Card4%Holyheld Card1%Tria Card6%
- Reward currency
- Coin98 Fusion CardNot applicableXPlace CardUSDCHolyheld CardUSDCTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredXPlace CardUp to 6.15% APYHolyheld CardNot disclosedTria CardUp to 15% APY
- How it works
- Coin98 Fusion CardNot offeredXPlace CardBorrow against collateral, Optional earn vaultHolyheld CardOptional earn vaultTria CardOptional earn vault
- Separate deposit
- Coin98 Fusion CardNot offeredXPlace CardYesHolyheld CardYesTria CardNot disclosed
- Use balance for spending
- Coin98 Fusion CardNot offeredXPlace CardNoHolyheld CardNot disclosedTria CardNot disclosed
- Lock-up
- Coin98 Fusion CardNot offeredXPlace CardNoHolyheld CardNoTria CardNo
Trust & availability
6 fields- Custody
- Coin98 Fusion CardHybrid custodyXPlace CardHybrid custodyHolyheld CardHybrid custodyTria CardSelf-custody
- Control until payment
- Coin98 Fusion CardProvider controls fundsXPlace CardProvider controls fundsHolyheld CardProvider controls fundsTria CardYou keep control
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.XPlace CardThird NationalHolyheld CardUnlimit EU LtdTria CardNimbus, LLC, Third National
- Card processing
- Coin98 Fusion CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)Holyheld CardNot disclosedTria CardNot disclosed
- Identity verification
- Coin98 Fusion CardNot disclosedXPlace CardSumsubHolyheld CardSumsub / IdenfyTria CardNot disclosed
- Programme operator
- Coin98 Fusion CardNot disclosedXPlace CardNot disclosedHolyheld CardHolyheld Labs AGTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Coin98 Fusion Card23XPlace Card26Holyheld Card28Tria Card21
- Last reviewed
- Coin98 Fusion CardAug 5, 2026XPlace CardAug 27, 2026Holyheld CardSep 9, 2026Tria CardAug 25, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.