KrakKrak
74
Side-by-side card comparison
Krak vs Coin98 Fusion: overall score versus use-case fit
Krak Card has the higher Overall Score by 14 points (74 vs 60). Krak Card looks stronger for Cashback, Travel, and Transfers, while Coin98 Fusion Card comes out ahead for Funds control.
Information checked Aug 27, 202649 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallKrak74Coin98 Fusion60Higher score
CashbackKrak40Coin98 Fusion17Higher score
TravelKrak83Coin98 Fusion65Higher score
Funds controlKrak56Coin98 Fusion64Higher score
Lowest feesKrak72Coin98 Fusion72Same score
TransfersKrak97Coin98 Fusion39Higher score
Choose Krak Card if cashback and travel matter most
Krak Card comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
Choose Coin98 Fusion Card if funds control matters most
Coin98 Fusion Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Krak74Coin98 Fusion60
Krak Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Krak$0 plan · 0–1% FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
Krak Card has the lower published FX fee (0–1% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Krak0% base · up to 2%Coin98 Fusion0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- KrakCustodial balanceCoin98 FusionHybrid custody
Krak Card uses a custodial balance setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KrakVirtual + Physical · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Krak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPACoin98 Fusion2 stablecoins · Not modeled
Krak Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsKrak CardOverall74Coin98 Fusion CardOverall60
Krak CardOverall74Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Krak Card74Coin98 Fusion Card60
- Cashback score
- Krak Card40Coin98 Fusion Card17
- Travel score
- Krak Card83Coin98 Fusion Card65
- Funds control score
- Krak Card56Coin98 Fusion Card64
- Lowest fees score
- Krak Card72Coin98 Fusion Card72
- Transfers score
- Krak Card97Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Krak Card$0Coin98 Fusion Card$0
- FX fee
- Krak Card0–1%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Krak CardNot disclosedCoin98 Fusion Card1%
- Card spending fee
- Krak Card0%Coin98 Fusion CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Krak CardFreeCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Coin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Coin98 Fusion CardNot disclosed
- Top cashback plan
- Krak CardMax: 2%Coin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Krak CardMastercard/VisaCoin98 Fusion CardVisa
- Card formats
- Krak CardVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- Krak CardAvailableCoin98 Fusion CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Krak CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Krak CardOther crypto: Supported cryptoCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferCoin98 Fusion CardNot disclosed
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPACoin98 Fusion CardNot disclosed
- Payout currencies
- Krak CardGBP, EURCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Krak Card0%Coin98 Fusion Card0%
- Max cashback
- Krak Card2%Coin98 Fusion Card0%
- Reward currency
- Krak CardGBP, EUR, USD or BTCCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYCoin98 Fusion CardNot offered
- How it works
- Krak CardOptional earn vaultCoin98 Fusion CardNot offered
- Separate deposit
- Krak CardYesCoin98 Fusion CardNot offered
- Use balance for spending
- Krak CardNoCoin98 Fusion CardNot offered
- Lock-up
- Krak CardNot disclosedCoin98 Fusion CardNot offered
Trust & availability
5 fields- Custody
- Krak CardCustodialCoin98 Fusion CardHybrid custody
- Control until payment
- Krak CardProvider controls fundsCoin98 Fusion CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Card processing
- Krak CardStripeCoin98 Fusion CardNot disclosed
- Programme operator
- Krak CardPayward Wallet, Inc.Coin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Coin98 Fusion Card23
- Last reviewed
- Krak CardAug 27, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 60 for Coin98 Fusion Card. Krak Card has the lower published FX fee (0–1% vs 1.7% foreign-currency conversion). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Krak Card uses a custodial balance setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Krak Card lists more stablecoins and ways to send money out (5 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Krak Card and Coin98 Fusion Card reviews first.
Continue with
Krak Card
Continue with
Coin98 Fusion Card
05 · Common questions
Krak vs Coin98 Fusion FAQ
Is Krak or Coin98 Fusion better overall?
Krak Card has the higher Overall Score (74 vs 60). 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, Krak or Coin98 Fusion?
Krak Card has the lower published FX fee (0–1% vs 1.7% foreign-currency conversion). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Krak or Coin98 Fusion?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Krak and Coin98 Fusion differ on custody?
Krak Card uses a custodial balance setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Krak vs Coin98 Fusion comparison?
The latest information check for these two cards was August 27, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.