Low FXNo CEX
- Cashback
- 0%-5%
- Plan cost
- Not disclosed
- 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
Select cards for this comparison
Add or remove a card and every comparison row updates automatically.
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 CEXUS available
- Cashback
- 0%-5%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Low FXNo CEX
- Cashback
- 0.5%-4%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
No CEXFree base plan
- Cashback
- 0%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
Whop CardOverall67
Spritz CardOverall62
XPlace CardOverall68
Coin98 Fusion CardOverall60
Whop CardOverall67Spritz CardOverall62XPlace CardOverall68Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Whop Card67Spritz Card62XPlace Card68Coin98 Fusion Card60
- Cashback score
- Whop Card39Spritz Card34XPlace Card49Coin98 Fusion Card17
- Travel score
- Whop Card57Spritz Card46XPlace Card61Coin98 Fusion Card65
- Funds control score
- Whop Card74Spritz Card62XPlace Card67Coin98 Fusion Card64
- Lowest fees score
- Whop Card56Spritz Card44XPlace Card69Coin98 Fusion Card72
- Transfers score
- Whop Card92Spritz Card64XPlace Card62Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Whop CardSpend Whop revenue before bank payout, Five percent in three business categoriesSpritz CardDirect crypto card top-up, Both major phone walletsXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Whop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclearSpritz CardATM use is not verified, Top-up fees vary by routeXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Whop CardNot disclosedSpritz Card$0XPlace Card$0Coin98 Fusion Card$0
- FX fee
- Whop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmedSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may applyXPlace Card0–1%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%Spritz Card1–3%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesCoin98 Fusion Card1%
- Card spending fee
- Whop Card0%Spritz Card0%XPlace Card0%Coin98 Fusion CardNot disclosed
- ATM fee
- Whop CardATM access, issuer fee and limit are not separately confirmedSpritz CardNot disclosedXPlace CardNot availableCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Whop CardNot disclosedSpritz CardNot disclosedXPlace CardNot disclosedCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Whop CardNot disclosedSpritz CardNot disclosedXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Coin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Whop CardNot disclosedSpritz CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, PlatinumCoin98 Fusion CardNot disclosed
- Top cashback plan
- Whop CardNot disclosedSpritz CardNot disclosedXPlace CardPlatinum: 2%Coin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Whop CardVisaSpritz CardVisaXPlace CardVisaCoin98 Fusion CardVisa
- Card formats
- Whop CardVirtual, PhysicalSpritz CardVirtual, PhysicalXPlace CardVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- Whop CardNot disclosedSpritz CardNot disclosedXPlace CardNot availableCoin98 Fusion CardAvailable
- Mobile wallets
- Whop CardApple Pay, Google PaySpritz CardApple Pay, Google PayXPlace CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Whop CardiOS, AndroidSpritz CardiOSXPlace CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- Whop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is publishedSpritz CardNo provider-published daily spend capXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Whop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limitSpritz CardNot disclosedXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Whop CardATM access and numeric withdrawal limits are unclearSpritz CardNot verified for the current no-PIN cardXPlace CardNot available while only the virtual card is liveCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Whop CardEthereum, Polygon, Optimism, ArbitrumSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6XPlace CardSolanaCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Whop CardStablecoins: USDTSpritz CardOther crypto: Crypto top-upXPlace CardStablecoins: USDCCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Whop CardStored payment method top-up, Dynamic bank deposit instructionsSpritz CardNot disclosedXPlace CardNot disclosedCoin98 Fusion CardNot disclosed
- Transfers
- Whop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1Spritz CardWallet-to-bank Off-RampXPlace CardStablecoin transfersCoin98 Fusion CardNot disclosed
- Payout currencies
- Whop CardUSDSpritz CardUSD, CAD, GBP, EURXPlace CardNot disclosedCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Whop Card0%Spritz Card0%XPlace Card0.5%Coin98 Fusion Card0%
- Max cashback
- Whop Card5%Spritz Card5%XPlace Card4%Coin98 Fusion Card0%
- Reward currency
- Whop CardWhop account cash-back creditSpritz CardSpritz CreditsXPlace CardUSDCCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Whop CardUp to 6% APYSpritz CardNot offeredXPlace CardUp to 6.15% APYCoin98 Fusion CardNot offered
- How it works
- Whop CardOptional earn vaultSpritz CardNot offeredXPlace CardBorrow against collateral, Optional earn vaultCoin98 Fusion CardNot offered
- Separate deposit
- Whop CardNoSpritz CardNot offeredXPlace CardYesCoin98 Fusion CardNot offered
- Use balance for spending
- Whop CardNot disclosedSpritz CardNot offeredXPlace CardNoCoin98 Fusion CardNot offered
- Lock-up
- Whop CardNoSpritz CardNot offeredXPlace CardNoCoin98 Fusion CardNot offered
Trust & availability
6 fields- Custody
- Whop CardHybrid custodySpritz CardHybrid custodyXPlace CardHybrid custodyCoin98 Fusion CardHybrid custody
- Control until payment
- Whop CardProvider controls fundsSpritz CardProvider controls fundsXPlace CardProvider controls fundsCoin98 Fusion CardProvider controls funds
- Card issuer
- Whop CardThird NationalSpritz CardNot disclosedXPlace CardThird NationalCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Card processing
- Whop CardNot disclosedSpritz CardRainXPlace CardSignify Holdings, Inc. (Rain)Coin98 Fusion CardNot disclosed
- Custody / key management
- Whop CardPrivySpritz CardNot disclosedXPlace CardNot disclosedCoin98 Fusion CardNot disclosed
- Identity verification
- Whop CardNot disclosedSpritz CardNot disclosedXPlace CardSumsubCoin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Whop Card20Spritz Card41XPlace Card26Coin98 Fusion Card23
- Last reviewed
- Whop CardAug 11, 2026Spritz CardAug 28, 2026XPlace CardAug 27, 2026Coin98 Fusion CardAug 5, 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.