MPChatMPChat
52
Side-by-side card comparison
MPChat vs Fuse
Fuse Card has the higher Overall Score by 22 points (74 vs 52). MPChat Card looks stronger for Travel, while Fuse Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Latest check Nov 12, 202645 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
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- Spend uses a separate Card Account; Earn deposits must be withdrawn first.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.
Fees & features
Compare the details
CardsMPChat CardOverall52Fuse CardOverall74
MPChat CardOverall52Fuse CardOverall74Scores
- Overall Score
- MPChat Card52Fuse Card74
- Cashback score
- MPChat Card18Fuse Card25
- Travel score
- MPChat Card72Fuse Card65
- Funds control score
- MPChat Card41Fuse Card91
- Lowest fees score
- MPChat Card60Fuse Card93
- Transfers score
- MPChat Card58Fuse Card97
Costs
- Plan cost
- MPChat Card$0Fuse Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateFuse Card0%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardFuse Card0%
- Card spending fee
- MPChat Card$0.10 + 0.8%Fuse Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessFuse CardNot available
- Virtual card
- MPChat CardCloud: 10 USDT one timeFuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- MPChat CardBoundless: 100 USDT one timeFuse CardNot available in captured Fuse support page
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardFuse Card1 plans: Fuse Plus
- Top cashback plan
- MPChat CardNot disclosedFuse CardNot disclosed
- Base cashback
- MPChat CardNot disclosedFuse Card0%
- Max cashback
- MPChat CardNot disclosedFuse Card0%
- Reward currency
- MPChat CardNot disclosedFuse CardNo cashback
Everyday use
- Network
- MPChat CardVisaFuse CardVisa
- Card formats
- MPChat CardVirtual, PhysicalFuse CardVirtual
- ATM withdrawals
- MPChat CardAvailableFuse CardNot available
- Mobile wallets
- MPChat CardGoogle PayFuse CardApple Pay
- Apps
- MPChat CardNot disclosedFuse CardiOS
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerFuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyFuse CardNot available
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Fuse CardSolana
- Crypto deposits
- MPChat CardStablecoins: USDTFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- MPChat CardNot disclosedFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- MPChat CardStablecoin transfersFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- MPChat CardNot disclosedFuse CardUSD, EUR
Earn
- Advertised APY
- MPChat CardNot offeredFuse CardNot disclosed
- How it works
- MPChat CardNot offeredFuse CardOptional earn vault
- Separate deposit
- MPChat CardNot offeredFuse CardYes
- Use balance for spending
- MPChat CardNot offeredFuse CardNo
- Lock-up
- MPChat CardNot offeredFuse CardNot disclosed
Trust & availability
- Custody
- MPChat CardCustodialFuse CardSelf-custody
- Control until payment
- MPChat CardProvider controls fundsFuse CardYou keep control
- Card issuer
- MPChat CardNot disclosedFuse CardLead Bank
- Card processing
- MPChat CardNot disclosedFuse CardBridge Ventures LLC, Squads Labs
- Programme operator
- MPChat CardNot disclosedFuse CardBridge Ventures LLC
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Fuse Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Fuse
Keeping control of your funds
Fuse suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Withdrawing cash
If you need ATM withdrawals, MPChat supports them; Fuse does not. Check physical-card availability, withdrawal fees and limits before relying on it for cash.
Paying with a physical card
MPChat offers a physical card, while Fuse does not. For purchases that require the card itself rather than a phone wallet, consider MPChat and check its order and delivery terms.
Common questions
MPChat vs Fuse FAQ
Is MPChat or Fuse better overall?
Fuse Card has the higher Overall Score (74 vs 52). 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, MPChat or Fuse?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat or Fuse?
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 MPChat and Fuse differ on custody?
MPChat Card uses a custodial balance setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Fuse comparison?
The latest information check for these two cards was November 12, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.