NexoNexo
65
Side-by-side card comparison
Nexo vs Coin98 Fusion: overall score versus use-case fit
Nexo Card has the higher Overall Score by 5 points (65 vs 60). Nexo Card looks stronger for Cashback and Transfers, while Coin98 Fusion Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 5, 202636 official sources reviewed
01 · Overall score versus use-case fit
Nexo Card is the better all-round starting point
Nexo Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Funds control and Lowest fees. 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.
OverallNexo65Coin98 Fusion60Higher score
CashbackNexo41Coin98 Fusion17Higher score
TravelNexo65Coin98 Fusion65Same score
Funds controlNexo52Coin98 Fusion64Higher score
Lowest feesNexo57Coin98 Fusion72Higher score
TransfersNexo91Coin98 Fusion39Higher score
Choose Nexo Card if cashback and transfers matter most
Nexo Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Coin98 Fusion Card if funds control and lowest fees matter most
Coin98 Fusion Card comes out ahead for Funds control and Lowest fees 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
- Nexo65Coin98 Fusion60
Nexo Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Coin98 Fusion0% cashback
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceCoin98 FusionHybrid custody
Nexo 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
- NexoVirtual + Physical · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
Nexo Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalCoin98 Fusion2 stablecoins · Not modeled
Nexo 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
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 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
CardsNexo CardOverall65Coin98 Fusion CardOverall60
Nexo CardOverall65Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Nexo Card65Coin98 Fusion Card60
- Cashback score
- Nexo Card41Coin98 Fusion Card17
- Travel score
- Nexo Card65Coin98 Fusion Card65
- Funds control score
- Nexo Card52Coin98 Fusion Card64
- Lowest fees score
- Nexo Card57Coin98 Fusion Card72
- Transfers score
- Nexo Card91Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Nexo Card$0Coin98 Fusion Card$0
- FX fee
- Nexo Card0.2–2.5%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Nexo CardNot disclosedCoin98 Fusion Card1%
- Card spending fee
- Nexo CardNot disclosedCoin98 Fusion CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Nexo CardAvailable from $50 account balanceCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumCoin98 Fusion CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Coin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardCoin98 Fusion CardVisa
- Card formats
- Nexo CardVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- Nexo CardAvailableCoin98 Fusion CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebCoin98 Fusion CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Coin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Nexo CardNexo account bank depositCoin98 Fusion CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalCoin98 Fusion CardNot disclosed
- Payout currencies
- Nexo CardEUR, GBP, USDCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Nexo Card0.5%Coin98 Fusion Card0%
- Max cashback
- Nexo Card2%Coin98 Fusion Card0%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYCoin98 Fusion CardNot offered
- How it works
- Nexo CardEarn on spending balanceCoin98 Fusion CardNot offered
- Separate deposit
- Nexo CardNot disclosedCoin98 Fusion CardNot offered
- Use balance for spending
- Nexo CardYesCoin98 Fusion CardNot offered
- Lock-up
- Nexo CardNoCoin98 Fusion CardNot offered
Trust & availability
4 fields- Custody
- Nexo CardCustodialCoin98 Fusion CardHybrid custody
- Control until payment
- Nexo CardProvider controls fundsCoin98 Fusion CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Coin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Coin98 Fusion Card23
- Last reviewed
- Nexo CardAug 5, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 0.2–2.5%). Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Coin98 Fusion Card still comes out ahead for Funds control and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Nexo 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.
Nexo 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 Nexo Card and Coin98 Fusion Card reviews first.
Continue with
Nexo Card
Continue with
Coin98 Fusion Card
05 · Common questions
Nexo vs Coin98 Fusion FAQ
Is Nexo or Coin98 Fusion better overall?
Nexo Card has the higher Overall Score (65 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, Nexo or Coin98 Fusion?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo or Coin98 Fusion?
Nexo Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and Coin98 Fusion differ on custody?
Nexo 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 Nexo vs Coin98 Fusion comparison?
The latest information check for these two cards was August 5, 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.