Low FXNo CEX
- Cashback
- 0.5%-4%
- 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
Points rewardsNo CEX
- Cashback
- 0% base
- Plan cost
- $20/year
- Custody
- Custodial
- 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
XPlace CardOverall68
Coin98 Fusion CardOverall60
Solayer Pay CardOverall55
Whop CardOverall67
XPlace CardOverall68Coin98 Fusion CardOverall60Solayer Pay CardOverall55Whop CardOverall67Scores
6 fields- Overall Score
- XPlace Card68Coin98 Fusion Card60Solayer Pay Card55Whop Card67
- Cashback score
- XPlace Card49Coin98 Fusion Card17Solayer Pay Card20Whop Card39
- Travel score
- XPlace Card61Coin98 Fusion Card65Solayer Pay Card53Whop Card57
- Funds control score
- XPlace Card67Coin98 Fusion Card64Solayer Pay Card47Whop Card74
- Lowest fees score
- XPlace Card69Coin98 Fusion Card72Solayer Pay Card43Whop Card56
- Transfers score
- XPlace Card62Coin98 Fusion Card39Solayer Pay Card29Whop Card92
Strengths & trade-offs
2 fields- Strengths
- XPlace 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 networksSolayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaWhop CardSpend Whop revenue before bank payout, Five percent in three business categories
- Trade-offs
- XPlace 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 applySolayer Pay CardPurchases earn Emerald Points, FX costs vary by regionWhop CardBusiness-only with strict country exclusions, Several costs and the foreign stack remain unclear
Costs
7 fields- Plan cost
- XPlace Card$0Coin98 Fusion Card$0Solayer Pay Card$20/yearWhop CardNot disclosed
- FX fee
- XPlace Card0–1%Coin98 Fusion Card1.7% foreign-currency conversionSolayer Pay CardUp to 3% stated + $0.10; components may stackWhop Card1% FX and 1% cross-border are separate contractual layers; universal stacking is not confirmed
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesCoin98 Fusion Card1%Solayer Pay Card1%Whop CardDirect card top-up fee unknown; a provider-account stored-payment-method top-up is 0%
- Card spending fee
- XPlace Card0%Coin98 Fusion CardNot disclosedSolayer Pay Card$0.15Whop Card0%
- ATM fee
- XPlace CardNot availableCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeSolayer Pay CardNot disclosedWhop CardATM access, issuer fee and limit are not separately confirmed
- Virtual card
- XPlace CardNot disclosedCoin98 Fusion CardUSD 9 issuance/activation feeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planWhop CardNot disclosed
- Physical card
- XPlace 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 developmentSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Whop CardNot disclosed
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumCoin98 Fusion CardNot disclosedSolayer Pay Card1 plans: Solayer PayWhop CardNot disclosed
- Top cashback plan
- XPlace CardPlatinum: 2%Coin98 Fusion CardNot disclosedSolayer Pay CardNot disclosedWhop CardNot disclosed
Everyday use
8 fields- Network
- XPlace CardVisaCoin98 Fusion CardVisaSolayer Pay CardVisaWhop CardVisa
- Card formats
- XPlace CardVirtual, PhysicalCoin98 Fusion CardVirtualSolayer Pay CardVirtual, PhysicalWhop CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availableCoin98 Fusion CardAvailableSolayer Pay CardAvailableWhop CardNot disclosed
- Mobile wallets
- XPlace CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google PaySolayer Pay CardApple Pay, Google PayWhop CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidCoin98 Fusion CardiOS, AndroidSolayer Pay CardiOS, AndroidWhop CardiOS, Android
- Daily spending limit
- XPlace 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 limitSolayer Pay CardShown in appWhop CardDynamic and collateral-dependent; users can set per-card controls, but no universal provider amount is published
- Monthly spending limit
- XPlace 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 limitSolayer Pay CardShown in appWhop CardDynamic and collateral-dependent; Whop or issuer can change the aggregate or per-card limit
- ATM limit
- XPlace CardNot available while only the virtual card is liveCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearSolayer Pay CardLimits shown in appWhop CardATM access and numeric withdrawal limits are unclear
Funding & transfers
5 fields- Networks
- XPlace CardSolanaCoin98 Fusion CardEthereum, Solana, Polygon, Base, TronSolayer Pay CardSolanaWhop CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- XPlace CardStablecoins: USDCCoin98 Fusion CardStablecoins: USDC, USDTSolayer Pay CardStablecoins: USDCWhop CardStablecoins: USDT
- Fiat deposits
- XPlace CardNot disclosedCoin98 Fusion CardNot disclosedSolayer Pay CardNot disclosedWhop CardStored payment method top-up, Dynamic bank deposit instructions
- Transfers
- XPlace CardStablecoin transfersCoin98 Fusion CardNot disclosedSolayer Pay CardNot disclosedWhop CardStablecoin transfers; Next-day ACH payout, Instant bank RTP payout, Venmo payout, Bank wire payout +1
- Payout currencies
- XPlace CardNot disclosedCoin98 Fusion CardNot disclosedSolayer Pay CardNot disclosedWhop CardUSD
Rewards
3 fields- Base cashback
- XPlace Card0.5%Coin98 Fusion Card0%Solayer Pay Card0%Whop Card0%
- Max cashback
- XPlace Card4%Coin98 Fusion Card0%Solayer Pay CardNot disclosedWhop Card5%
- Reward currency
- XPlace CardUSDCCoin98 Fusion CardNot applicableSolayer Pay CardEmerald PointsWhop CardWhop account cash-back credit
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYCoin98 Fusion CardNot offeredSolayer Pay CardUp to 3.5% APYWhop CardUp to 6% APY
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultCoin98 Fusion CardNot offeredSolayer Pay CardEarn on spending balanceWhop CardOptional earn vault
- Separate deposit
- XPlace CardYesCoin98 Fusion CardNot offeredSolayer Pay CardNoWhop CardNo
- Use balance for spending
- XPlace CardNoCoin98 Fusion CardNot offeredSolayer Pay CardYesWhop CardNot disclosed
- Lock-up
- XPlace CardNoCoin98 Fusion CardNot offeredSolayer Pay CardNoWhop CardNo
Trust & availability
7 fields- Custody
- XPlace CardHybrid custodyCoin98 Fusion CardHybrid custodySolayer Pay CardCustodialWhop CardHybrid custody
- Control until payment
- XPlace CardProvider controls fundsCoin98 Fusion CardProvider controls fundsSolayer Pay CardProvider controls fundsWhop CardProvider controls funds
- Card issuer
- XPlace CardThird NationalCoin98 Fusion CardDCS Card Centre Pte. Ltd.Solayer Pay CardThird NationalWhop CardThird National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Coin98 Fusion CardNot disclosedSolayer Pay CardNot disclosedWhop CardNot disclosed
- Custody / key management
- XPlace CardNot disclosedCoin98 Fusion CardNot disclosedSolayer Pay CardNot disclosedWhop CardPrivy
- Identity verification
- XPlace CardSumsubCoin98 Fusion CardNot disclosedSolayer Pay CardSumsubWhop CardNot disclosed
- Programme operator
- XPlace CardNot disclosedCoin98 Fusion CardNot disclosedSolayer Pay CardSolayer Labs, Inc.Whop CardNot disclosed
Sources
2 fields- Official sources
- XPlace Card26Coin98 Fusion Card23Solayer Pay Card25Whop Card20
- Last reviewed
- XPlace CardAug 27, 2026Coin98 Fusion CardAug 5, 2026Solayer Pay CardAug 12, 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.