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Coin98

Coin98 Fusion Card

61Overall

Best fit

Eligible APAC users funding a card with USDC or USDT across five networks.
Online and phone-wallet purchases through the Coin98 app's virtual Visa.

Before you choose

Virtual issuance costs $9; top-ups and conversion each carry a separate 1% fee.
Current SGD terms pay no cashback and charge 1.7% for foreign conversion.

Read review

XPlace

XPlace Card

68Overall

Best fit

Choosing between prefunded USDC spending and crypto-backed Credit Mode.
Existing Kamino users who want a card linked to eligible collateral.

Before you choose

Cash Mode earns no cashback; rewards require collateral-backed borrowing.
Borrowing APR is shown in-app; falling collateral can trigger liquidation.

Read review

Tria

Tria Card

67Overall

Best fit

Funding card purchases through Tria's self-custody crypto wallet.
Choosing a paid cashback tier without staking or holding a required token.

Before you choose

Lite costs $20/year, Pro $109 and Max $250; the wallet alone is not the card plan.
Cashback is paid in batches, with terms allowing delays of up to 12 months.

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Tangem

Tangem Card

79Overall

Best fit

Tangem users funding everyday purchases with supported USDC or USDT.
Eligible purchases of $30 or more earning Basic's 1%, up to $100/month.

Before you choose

In-store EU/UK purchases earn no cashback, including phone-wallet payments.
Plus costs $29.99/month unless you meet a fee-waiver condition.

Read review

4 of 4 cards selected

Fees, rewards & everyday use

Compare the details

Showing 2 of 4 cards. Tap a card menu below to change the pair.

Scores

Overall Score: Coin98 Fusion Card: 61
XPlace Card: 68
Tria Card: 67
Tangem Card: 79

Cashback score: Coin98 Fusion Card: 17
XPlace Card: 49
Tria Card: 45
Tangem Card: 74

Travel score: Coin98 Fusion Card: 65
XPlace Card: 65
Tria Card: 63
Tangem Card: 64

Funds control score: Coin98 Fusion Card: 64
XPlace Card: 67
Tria Card: 91
Tangem Card: 90

Lowest fees score: Coin98 Fusion Card: 73
XPlace Card: 65
Tria Card: 51
Tangem Card: 54

Transfers score: Coin98 Fusion Card: 39
XPlace Card: 62
Tria Card: 63
Tangem Card: 91

Costs

Plan cost: Coin98 Fusion Card: $0
XPlace Card: $0
Tria Card: $20/year
Tangem Card: $0

FX fee: Coin98 Fusion Card: 1.7%
XPlace Card: 0–1%
Tria Card: 0%
Tangem Card: Not disclosed

Top-up fee: Coin98 Fusion Card: 1%
XPlace Card: Provider fee not published; external network or bridge costs may apply and are not card fees
Tria Card: 1%
Tangem Card: Crypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate

Card spending fee: Coin98 Fusion Card: Not disclosed
XPlace Card: 0%
Tria Card: Not disclosed
Tangem Card: 0%

ATM fee: Coin98 Fusion Card: 1% / min SGD 5
XPlace Card: Not available
Tria Card: Up to $2 + 3%; inquiry/decline up to $2
Tangem Card: Basic 4%; Plus 2%; operator surcharges separate

Virtual card: Coin98 Fusion Card: $9 one-time
XPlace Card: Not disclosed
Tria Card: $20/year Lite membership; issued after payment and KYC
Tangem Card: $0 for the first virtual card

Physical card: Coin98 Fusion Card: Not applicable while the physical card is under development
XPlace Card: Not confirmed
Tria Card: $109-$250
Tangem Card: $15.63-$63.45 or free

Asset conversion fee: Coin98 Fusion Card: 1%
XPlace Card: Not disclosed
Tria Card: Not disclosed
Tangem Card: Not disclosed

Network conversion surcharge: Coin98 Fusion Card: Not disclosed
XPlace Card: 1%
Tria Card: Not disclosed
Tangem Card: Not disclosed

Plans & rewards

Entry plan: Coin98 Fusion Card: Not listed
XPlace Card: Basic
Tria Card: Lite
Tangem Card: Basic

Base cashback: Coin98 Fusion Card: 0%
XPlace Card: 0.5%
Tria Card: 1.5%
Tangem Card: 1%

Max cashback: Coin98 Fusion Card: 0%
XPlace Card: 2%
Tria Card: 6%
Tangem Card: 2%

Reward currency: Coin98 Fusion Card: Not disclosed
XPlace Card: USDC
Tria Card: USDC/USDT
Tangem Card: USDC

Cashback cap · entry plan: Coin98 Fusion Card: Not disclosed
XPlace Card: $10 / month
Tria Card: Not disclosed
Tangem Card: $100 / month

Full-rate spend · entry plan: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: $1,000 / month
Tangem Card: Not disclosed

Rate after spend cap · entry plan: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: 0.5%
Tangem Card: Not disclosed

Top cashback plan: Coin98 Fusion Card: Not disclosed
XPlace Card: Platinum
Tria Card: Max
Tangem Card: Plus

Cashback on top plan: Coin98 Fusion Card: Not disclosed
XPlace Card: 2% in USDC
Tria Card: 6% in USDC/USDT
Tangem Card: 2% in USDC

Cashback cap · top plan: Coin98 Fusion Card: Not disclosed
XPlace Card: $250 / month
Tria Card: Not disclosed
Tangem Card: $300 / month

Full-rate spend · top plan: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: $2,000 / month
Tangem Card: Not disclosed

Rate after spend cap · top plan: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: 1%
Tangem Card: Not disclosed

Top plan price / access: Coin98 Fusion Card: Not disclosed
XPlace Card: $999/yr
Tria Card: $250/yr
Tangem Card: $360/yr

Top plan qualification: Coin98 Fusion Card: Not disclosed
XPlace Card: Active Platinum annual membership
Tria Card: Purchase Max membership and pass KYC
Tangem Card: Subscribe to Tangem Pay Plus

Reward payout: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: See payout schedule
Tangem Card: Not disclosed

Programme opt-in: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: Not required
Tangem Card: Not disclosed

Everyday use

Network: Coin98 Fusion Card: Visa
XPlace Card: Visa
Tria Card: Visa
Tangem Card: Visa

Card formats: Coin98 Fusion Card: Virtual
XPlace Card: Virtual, Physical
Tria Card: Virtual, Physical
Tangem Card: Virtual, Physical

ATM withdrawals: Coin98 Fusion Card: Available
XPlace Card: Not disclosed
Tria Card: Available
Tangem Card: Available

Mobile wallets: Coin98 Fusion Card: Apple Pay, Google Pay
XPlace Card: Apple Pay, Google Pay
Tria Card: Apple Pay, Google Pay
Tangem Card: Apple Pay, Google Pay

Apps: Coin98 Fusion Card: iOS, Android
XPlace Card: iOS, Android
Tria Card: iOS, Android, Web
Tangem Card: iOS, Android

Daily spending limit: Coin98 Fusion Card: No daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
XPlace Card: See regional limits
Tria Card: Dynamic / collateral-based; marketing claims up to $1,000,000/day
Tangem Card: $10,000 / day

Monthly spending limit: Coin98 Fusion Card: No monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
XPlace Card: $2,000 / month
Tria Card: Dynamic / collateral-based; marketing claims up to $1,000,000/day
Tangem Card: No current monthly POS amount is published; up to 1,000 POS transactions per month

ATM limit: Coin98 Fusion Card: SGD 10,000 per day and SGD 100,000 per month; per-transaction cap unknown
XPlace Card: Not available while only the virtual card is live
Tria Card: $750 / 24 hours
Tangem Card: $250 / withdrawal

Money in & out

Networks: Coin98 Fusion Card: Ethereum, Solana, Polygon, Base, Tron
XPlace Card: Solana
Tria Card: Ethereum, Polygon, Base, Arbitrum, Optimism +3
Tangem Card: Polygon, BNB Smart Chain, Base, Arbitrum

Stablecoin deposits: Coin98 Fusion Card: USDC, USDT
XPlace Card: USDC
Tria Card: USDC, USDT
Tangem Card: USDC, USDT

Other crypto deposits: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: BTC, ETH, SOL
Tangem Card: Not disclosed

Fiat deposits: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: Not disclosed
Tangem Card: USD ACH deposit, USD Fedwire deposit

Crypto transfers: Coin98 Fusion Card: Not disclosed
XPlace Card: USDC Cash Mode top-up, XPlace account crypto send
Tria Card: Wallet crypto transfers
Tangem Card: Stablecoin withdrawal to Tangem Wallet

Internal transfers: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: Not disclosed
Tangem Card: Not disclosed

Bank transfers: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: Not disclosed
Tangem Card: USD ACH withdrawal, USD Fedwire withdrawal

Payout currencies: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: Not disclosed
Tangem Card: USD, USDC

Earn

Advertised APY: Coin98 Fusion Card: Not offered
XPlace Card: Up to 6.15% APY
Tria Card: Up to 15% APY
Tangem Card: Not offered

How it works: Coin98 Fusion Card: Not offered
XPlace Card: Borrow against collateral, Optional earn vault
Tria Card: Optional earn vault
Tangem Card: Not offered

Separate deposit: Coin98 Fusion Card: Not offered
XPlace Card: Yes
Tria Card: Not disclosed
Tangem Card: Not offered

Use balance for spending: Coin98 Fusion Card: Not offered
XPlace Card: No
Tria Card: Not disclosed
Tangem Card: Not offered

Lock-up: Coin98 Fusion Card: Not offered
XPlace Card: No
Tria Card: No
Tangem Card: Not offered

Trust & sources

Custody: Coin98 Fusion Card: Hybrid custody
XPlace Card: Hybrid custody
Tria Card: Self-custody
Tangem Card: Hybrid custody

Control until payment: Coin98 Fusion Card: Provider controls funds
XPlace Card: Provider controls funds
Tria Card: You keep control
Tangem Card: You keep control

Card issuer: Coin98 Fusion Card: DCS Card Centre Pte. Ltd.
XPlace Card: Third National
Tria Card: Nimbus, LLC, Third National
Tangem Card: Third National

Card processing: Coin98 Fusion Card: Not disclosed
XPlace Card: Signify Holdings, Inc. (Rain)
Tria Card: Not disclosed
Tangem Card: Paera LLC

Identity verification: Coin98 Fusion Card: Not disclosed
XPlace Card: Sumsub
Tria Card: Not disclosed
Tangem Card: Sumsub

Programme operator: Coin98 Fusion Card: Not disclosed
XPlace Card: Not disclosed
Tria Card: Threely Dimensions Inc.
Tangem Card: Not disclosed

Official sources: Coin98 Fusion Card: 23
XPlace Card: 27
Tria Card: 21
Tangem Card: 20

Last reviewed: Coin98 Fusion Card: Aug 5, 2026
XPlace Card: Sep 20, 2026
Tria Card: Sep 30, 2026
Tangem Card: Oct 17, 2026

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Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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