No FXBTC rewards
- Cashback
- Up to 5%
- 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.
No CEXFree base plan
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Low FXNo CEX
- Cashback
- 0.5%-2%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Low FXNo CEX
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- Custody
- Hybrid
- 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
Lava CardOverall62
Coin98 Fusion CardOverall61
XPlace CardOverall68
Whop CardOverall67
Lava CardOverall62Coin98 Fusion CardOverall61XPlace CardOverall68Whop CardOverall67Scores
6 fields- Overall Score
- Lava Card62Coin98 Fusion Card61XPlace Card68Whop Card67
- Cashback score
- Lava Card36Coin98 Fusion Card17XPlace Card49Whop Card39
- Travel score
- Lava Card46Coin98 Fusion Card65XPlace Card65Whop Card58
- Funds control score
- Lava Card56Coin98 Fusion Card64XPlace Card67Whop Card74
- Lowest fees score
- Lava Card59Coin98 Fusion Card73XPlace Card65Whop Card56
- Transfers score
- Lava Card80Coin98 Fusion Card39XPlace Card62Whop Card92
Strengths & trade-offs
2 fields- Strengths
- Lava CardNo provider card FX fee, BTC rewards at selected partnersCoin98 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 capsWhop CardSpend Whop revenue before bank payout, Five percent in three business categories
- Trade-offs
- Lava CardCard access remains unclear, USD settlement is custodialCoin98 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 layersWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclear
Costs
7 fields- Plan cost
- Lava Card$0Coin98 Fusion Card$0XPlace Card$0Whop CardNot disclosed
- FX fee
- Lava Card0% provider FX feeCoin98 Fusion Card1.7% foreign-currency conversionXPlace Card0–1%Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- Top-up fee
- Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specifiedCoin98 Fusion Card1%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesWhop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
- Card spending fee
- Lava CardNot disclosedCoin98 Fusion CardNot disclosedXPlace Card0%Whop Card0%
- ATM fee
- Lava Card2%; min $1Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeXPlace CardNot availableWhop CardATM access, issuer fee and limit are not separately confirmed
- Virtual card
- Lava CardNot disclosedCoin98 Fusion CardUSD 9 issuance/activation feeXPlace CardNot disclosedWhop CardNot disclosed
- Physical card
- Lava CardNot disclosedCoin98 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.Whop CardNot disclosed
Plans
2 fields- Available plans
- Lava CardNot disclosedCoin98 Fusion CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, PlatinumWhop CardNot disclosed
- Top cashback plan
- Lava CardNot disclosedCoin98 Fusion CardNot disclosedXPlace CardPlatinum: 2%Whop CardNot disclosed
Everyday use
8 fields- Network
- Lava CardVisaCoin98 Fusion CardVisaXPlace CardVisaWhop CardVisa
- Card formats
- Lava CardNot disclosedCoin98 Fusion CardVirtualXPlace CardVirtual, PhysicalWhop CardVirtual, Physical
- ATM withdrawals
- Lava CardNot disclosedCoin98 Fusion CardAvailableXPlace CardNot disclosedWhop CardNot disclosed
- Mobile wallets
- Lava CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google PayXPlace CardApple Pay, Google PayWhop CardApple Pay, Google Pay
- Apps
- Lava CardiOS, Android, WebCoin98 Fusion CardiOS, AndroidXPlace CardiOS, AndroidWhop CardiOS, Android
- Daily spending limit
- Lava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.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 controlsWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is published
- Monthly spending limit
- Lava CardAccount-specific; universal monthly amount not disclosed.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 monthWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limit
- ATM limit
- Lava CardAccess is conditional; withdrawal limits not disclosed.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 liveWhop CardATM access and numeric withdrawal limits are unclear
Funding & transfers
5 fields- Networks
- Lava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronXPlace CardSolanaWhop CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Lava CardStablecoins: USDC, USDT, PYUSDCoin98 Fusion CardStablecoins: USDC, USDTXPlace CardStablecoins: USDCWhop CardStablecoins: USDT
- Fiat deposits
- Lava CardLava account bank fundingCoin98 Fusion CardNot disclosedXPlace CardNot disclosedWhop CardStored payment method top-up, Dynamic bank deposit instructions
- Transfers
- Lava CardStablecoin transfers; Lava account bank withdrawalCoin98 Fusion CardNot disclosedXPlace CardStablecoin transfersWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
- Payout currencies
- Lava CardUSD, EURCoin98 Fusion CardNot disclosedXPlace CardNot disclosedWhop CardUSD
Rewards
3 fields- Base cashback
- Lava CardNot disclosedCoin98 Fusion Card0%XPlace Card0.5%Whop Card0%
- Max cashback
- Lava Card5%Coin98 Fusion Card0%XPlace Card2%Whop Card5%
- Reward currency
- Lava CardBTCCoin98 Fusion CardNot applicableXPlace CardUSDCWhop CardWhop account cash-back credit
Earn
5 fields- Advertised APY
- Lava CardUp to 6.5% APYCoin98 Fusion CardNot offeredXPlace CardUp to 6.15% APYWhop CardUp to 6% APY
- How it works
- Lava CardOptional earn vaultCoin98 Fusion CardNot offeredXPlace CardBorrow against collateral, Optional earn vaultWhop CardOptional earn vault
- Separate deposit
- Lava CardYesCoin98 Fusion CardNot offeredXPlace CardYesWhop CardNo
- Use balance for spending
- Lava CardNoCoin98 Fusion CardNot offeredXPlace CardNoWhop CardNot disclosed
- Lock-up
- Lava CardNoCoin98 Fusion CardNot offeredXPlace CardNoWhop CardNo
Trust & availability
6 fields- Custody
- Lava CardHybrid custodyCoin98 Fusion CardHybrid custodyXPlace CardHybrid custodyWhop CardHybrid custody
- Control until payment
- Lava CardProvider controls fundsCoin98 Fusion CardProvider controls fundsXPlace CardProvider controls fundsWhop CardProvider controls funds
- Card issuer
- Lava CardThird NationalCoin98 Fusion CardDCS Card Centre Pte. Ltd.XPlace CardThird NationalWhop CardThird National
- Card processing
- Lava CardNot disclosedCoin98 Fusion CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)Whop CardNot disclosed
- Custody / key management
- Lava CardNot disclosedCoin98 Fusion CardNot disclosedXPlace CardNot disclosedWhop CardPrivy
- Identity verification
- Lava CardNot disclosedCoin98 Fusion CardNot disclosedXPlace CardSumsubWhop CardNot disclosed
Sources
2 fields- Official sources
- Lava Card28Coin98 Fusion Card23XPlace Card27Whop Card20
- Last reviewed
- Lava CardOct 6, 2026Coin98 Fusion CardAug 5, 2026XPlace CardSep 20, 2026Whop CardAug 11, 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.