No CEXUS available
- Cashback
- 0%-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.
Low FXNo CEX
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- Custody
- Hybrid
- Network
- Visa
No CEXFree base plan
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Low FXNo CEX
- Cashback
- 0.5%-4%
- Plan cost
- $0
- 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
Spritz CardOverall62
Whop CardOverall67
Coin98 Fusion CardOverall60
XPlace CardOverall68
Spritz CardOverall62Whop CardOverall67Coin98 Fusion CardOverall60XPlace CardOverall68Scores
6 fields- Overall Score
- Spritz Card62Whop Card67Coin98 Fusion Card60XPlace Card68
- Cashback score
- Spritz Card34Whop Card39Coin98 Fusion Card17XPlace Card49
- Travel score
- Spritz Card46Whop Card57Coin98 Fusion Card65XPlace Card61
- Funds control score
- Spritz Card62Whop Card74Coin98 Fusion Card64XPlace Card67
- Lowest fees score
- Spritz Card44Whop Card56Coin98 Fusion Card72XPlace Card69
- Transfers score
- Spritz Card64Whop Card92Coin98 Fusion Card39XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Spritz CardDirect crypto card top-up, Both major phone walletsWhop CardSpend Whop revenue before bank payout, Five percent in three business categoriesCoin98 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
- Spritz CardATM use is not verified, Top-up fees vary by routeWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearCoin98 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
- Spritz Card$0Whop CardNot disclosedCoin98 Fusion Card$0XPlace Card$0
- FX fee
- Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may applyWhop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedCoin98 Fusion Card1.7% foreign-currency conversionXPlace Card0–1%
- Top-up fee
- Spritz Card1–3%Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Coin98 Fusion Card1%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Spritz Card0%Whop Card0%Coin98 Fusion CardNot disclosedXPlace Card0%
- ATM fee
- Spritz CardNot disclosedWhop CardATM access, issuer fee and limit are not separately confirmedCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeXPlace CardNot available
- Virtual card
- Spritz CardNot disclosedWhop CardNot disclosedCoin98 Fusion CardUSD 9 issuance/activation feeXPlace CardNot disclosed
- Physical card
- Spritz CardNot disclosedWhop 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.
Plans
2 fields- Available plans
- Spritz CardNot disclosedWhop CardNot disclosedCoin98 Fusion CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Spritz CardNot disclosedWhop CardNot disclosedCoin98 Fusion CardNot disclosedXPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Spritz CardVisaWhop CardVisaCoin98 Fusion CardVisaXPlace CardVisa
- Card formats
- Spritz CardVirtual, PhysicalWhop CardVirtual, PhysicalCoin98 Fusion CardVirtualXPlace CardVirtual, Physical
- ATM withdrawals
- Spritz CardNot disclosedWhop CardNot disclosedCoin98 Fusion CardAvailableXPlace CardNot available
- Mobile wallets
- Spritz CardApple Pay, Google PayWhop CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Spritz CardiOSWhop CardiOS, AndroidCoin98 Fusion CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- Spritz CardNo provider-published daily spend capWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedCoin98 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
- Spritz CardNot disclosedWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitCoin98 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
- Spritz CardNot verified for the current no-PIN cardWhop CardATM access and numeric withdrawal limits are unclearCoin98 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
- Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6Whop CardEthereum, Polygon, Optimism, ArbitrumCoin98 Fusion CardEthereum, Solana, Polygon, Base, TronXPlace CardSolana
- Crypto deposits
- Spritz CardOther crypto: Crypto top-upWhop CardStablecoins: USDTCoin98 Fusion CardStablecoins: USDC, USDTXPlace CardStablecoins: USDC
- Fiat deposits
- Spritz CardNot disclosedWhop CardStored payment method top-up, Dynamic bank deposit instructionsCoin98 Fusion CardNot disclosedXPlace CardNot disclosed
- Transfers
- Spritz CardWallet-to-bank Off-RampWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Coin98 Fusion CardNot disclosedXPlace CardStablecoin transfers
- Payout currencies
- Spritz CardUSD, CAD, GBP, EURWhop CardUSDCoin98 Fusion CardNot disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Spritz Card0%Whop Card0%Coin98 Fusion Card0%XPlace Card0.5%
- Max cashback
- Spritz Card5%Whop Card5%Coin98 Fusion Card0%XPlace Card4%
- Reward currency
- Spritz CardSpritz CreditsWhop CardWhop account cash-back creditCoin98 Fusion CardNot applicableXPlace CardUSDC
Earn
5 fields- Advertised APY
- Spritz CardNot offeredWhop CardUp to 6% APYCoin98 Fusion CardNot offeredXPlace CardUp to 6.15% APY
- How it works
- Spritz CardNot offeredWhop CardOptional earn vaultCoin98 Fusion CardNot offeredXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Spritz CardNot offeredWhop CardNoCoin98 Fusion CardNot offeredXPlace CardYes
- Use balance for spending
- Spritz CardNot offeredWhop CardNot disclosedCoin98 Fusion CardNot offeredXPlace CardNo
- Lock-up
- Spritz CardNot offeredWhop CardNoCoin98 Fusion CardNot offeredXPlace CardNo
Trust & availability
6 fields- Custody
- Spritz CardHybrid custodyWhop CardHybrid custodyCoin98 Fusion CardHybrid custodyXPlace CardHybrid custody
- Control until payment
- Spritz CardProvider controls fundsWhop CardProvider controls fundsCoin98 Fusion CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- Spritz CardNot disclosedWhop CardThird NationalCoin98 Fusion CardDCS Card Centre Pte. Ltd.XPlace CardThird National
- Card processing
- Spritz CardRainWhop CardNot disclosedCoin98 Fusion CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Custody / key management
- Spritz CardNot disclosedWhop CardPrivyCoin98 Fusion CardNot disclosedXPlace CardNot disclosed
- Identity verification
- Spritz CardNot disclosedWhop CardNot disclosedCoin98 Fusion CardNot disclosedXPlace CardSumsub
Sources
2 fields- Official sources
- Spritz Card41Whop Card20Coin98 Fusion Card23XPlace Card26
- Last reviewed
- Spritz CardAug 28, 2026Whop CardAug 11, 2026Coin98 Fusion CardAug 5, 2026XPlace CardAug 27, 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.