Fuse WalletFuse
74
Side-by-side card comparison
Fuse vs Decaf
Fuse Card has the higher Overall Score by 10 points (74 vs 64). Fuse Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Decaf Card comes out ahead for Cashback.
Latest check Oct 19, 202636 official sources reviewed
Fuse Card
Best fit
- iPhone users spending Solana USDC through Fuse Wallet and Apple Pay.
- Receiving USD or EUR bank transfers alongside a Solana wallet account.
- Getting card access through free Fuse Plus activation after identity checks.
Before you choose
- The card has no cashback, physical version or ATM withdrawal access.
- Spend uses a separate Card Account; Earn deposits must be withdrawn first.
- Purchases are capped at $2,000 both per transaction and per day.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsFuse CardOverall74Decaf CardOverall64
Fuse CardOverall74Decaf CardOverall64Scores
- Overall Score
- Fuse Card74Decaf Card64
- Cashback score
- Fuse Card25Decaf Card29
- Travel score
- Fuse Card65Decaf Card60
- Funds control score
- Fuse Card91Decaf Card63
- Lowest fees score
- Fuse Card93Decaf Card57
- Transfers score
- Fuse Card97Decaf Card70
Costs
- Plan cost
- Fuse Card$0Decaf Card$0
- FX fee
- Fuse Card0%Decaf Card1–2%
- Top-up fee
- Fuse Card0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Fuse Card0%Decaf CardNot disclosed
- ATM fee
- Fuse CardNot availableDecaf Card0% Decaf markup
- Virtual card
- Fuse CardVirtual card purchase $0 after Bridge KYCDecaf Card$5
- Physical card
- Fuse CardNot available in captured Fuse support pageDecaf Card$90 international / $10 US
Plans
- Available plans
- Fuse Card1 plans: Fuse PlusDecaf CardNot disclosed
- Top cashback plan
- Fuse CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Fuse CardVisaDecaf CardVisa
- Card formats
- Fuse CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Fuse CardNot availableDecaf CardNot disclosed
- Mobile wallets
- Fuse CardApple PayDecaf CardApple Pay, Google Pay
- Apps
- Fuse CardiOSDecaf CardiOS, Android, Web
- Daily spending limit
- Fuse Card$2,000/day; $2,000/transactionDecaf CardNot disclosed
- Monthly spending limit
- Fuse CardMonthly cap not disclosed; daily and transaction caps are approvedDecaf CardNot disclosed
- ATM limit
- Fuse CardNot availableDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Fuse CardSolanaDecaf CardSolana, Stellar
- Crypto deposits
- Fuse CardStablecoins: USDC; Other crypto: SOL, SPL tokensDecaf CardStablecoins: USDC
- Fiat deposits
- Fuse CardUSD virtual bank account, EUR virtual bank accountDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Fuse CardStablecoin transfers; ACH / SEPA bank transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Fuse CardUSD, EURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Fuse Card0%Decaf CardNot disclosed
- Max cashback
- Fuse Card0%Decaf CardNot disclosed
- Reward currency
- Fuse CardNo cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Fuse CardNot disclosedDecaf CardNot disclosed
- How it works
- Fuse CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Fuse CardYesDecaf CardYes
- Use balance for spending
- Fuse CardNoDecaf CardNot disclosed
- Lock-up
- Fuse CardNot disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- Fuse CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Fuse CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Fuse CardLead BankDecaf CardThird National, Inc.
- Card processing
- Fuse CardBridge Ventures LLC, Squads LabsDecaf CardRain
- Deposits & withdrawals
- Fuse CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Fuse CardBridge Ventures LLCDecaf CardNot disclosed
Sources
- Official sources
- Fuse Card15Decaf Card21
- Last reviewed
- Fuse CardAug 29, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Fuse or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Fuse lists 0%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Paying with a physical card
Decaf offers a physical card, while Fuse does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Sending money to a bank
For bank payouts, Fuse has reviewed routes in EUR, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Common questions
Fuse vs Decaf FAQ
Is Fuse or Decaf better overall?
Fuse Card has the higher Overall Score (74 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Fuse or Decaf?
Fuse Card has the lower published FX fee (0% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Fuse or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Fuse and Decaf differ on custody?
Fuse Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Fuse vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 36 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.