PhantomPhantom
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Side-by-side card comparison
Phantom vs Coin98 Fusion: overall score versus use-case fit
Coin98 Fusion Card has the higher Overall Score by 1 point (60 vs 59). Phantom Card looks stronger for Funds control and Transfers, while Coin98 Fusion Card comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Aug 5, 202637 official sources reviewed
01 · Overall score versus use-case fit
Coin98 Fusion Card is the better all-round starting point
Coin98 Fusion Card has the higher Overall Score in this comparison. Phantom Card may be the better fit for Funds control and Transfers. 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.
OverallPhantom59Coin98 Fusion60Higher score
CashbackPhantom14Coin98 Fusion17Higher score
TravelPhantom25Coin98 Fusion65Higher score
Funds controlPhantom89Coin98 Fusion64Higher score
Lowest feesPhantom44Coin98 Fusion72Higher score
TransfersPhantom88Coin98 Fusion39Higher score
Choose Phantom Card if funds control and transfers matter most
Phantom Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Choose Coin98 Fusion Card if cashback and travel matter most
Coin98 Fusion Card comes out ahead for Cashback, Travel, 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
- Phantom59Coin98 Fusion60
Coin98 Fusion Card has the higher Overall Score by 1 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Phantom0% cashbackCoin98 Fusion0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletCoin98 FusionHybrid custody
Phantom Card uses a self-controlled wallet 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
- PhantomVirtual · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutCoin98 Fusion2 stablecoins · Not modeled
Phantom Card lists more stablecoins and ways to send money out (8 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%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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
CardsPhantom CardOverall59Coin98 Fusion CardOverall60
Phantom CardOverall59Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Phantom Card59Coin98 Fusion Card60
- Cashback score
- Phantom Card14Coin98 Fusion Card17
- Travel score
- Phantom Card25Coin98 Fusion Card65
- Funds control score
- Phantom Card89Coin98 Fusion Card64
- Lowest fees score
- Phantom Card44Coin98 Fusion Card72
- Transfers score
- Phantom Card88Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Phantom CardNot disclosedCoin98 Fusion Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationCoin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Phantom Card0.3–3.5%Coin98 Fusion Card1%
- Card spending fee
- Phantom Card0%Coin98 Fusion CardNot disclosed
- ATM fee
- Phantom CardNot availableCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Phantom CardFree virtual cardCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Phantom CardNot availableCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Phantom CardNot disclosedCoin98 Fusion CardNot disclosed
- Top cashback plan
- Phantom CardNot disclosedCoin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Phantom CardVisaCoin98 Fusion CardVisa
- Card formats
- Phantom CardVirtualCoin98 Fusion CardVirtual
- ATM withdrawals
- Phantom CardNot availableCoin98 Fusion CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Phantom CardNot availableCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Phantom CardSolanaCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireCoin98 Fusion CardNot disclosed
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutCoin98 Fusion CardNot disclosed
- Payout currencies
- Phantom CardUSDCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Phantom Card0%Coin98 Fusion Card0%
- Max cashback
- Phantom Card0%Coin98 Fusion Card0%
- Reward currency
- Phantom CardNot applicableCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedCoin98 Fusion CardNot offered
- How it works
- Phantom CardOptional earn vaultCoin98 Fusion CardNot offered
- Separate deposit
- Phantom CardYesCoin98 Fusion CardNot offered
- Use balance for spending
- Phantom CardNoCoin98 Fusion CardNot offered
- Lock-up
- Phantom CardNot disclosedCoin98 Fusion CardNot offered
Trust & availability
6 fields- Custody
- Phantom CardSelf-custodyCoin98 Fusion CardHybrid custody
- Control until payment
- Phantom CardYou keep controlCoin98 Fusion CardProvider controls funds
- Card issuer
- Phantom CardLead BankCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Card processing
- Phantom CardBridge Ventures LLC, GalileoCoin98 Fusion CardNot disclosed
- Deposits & withdrawals
- Phantom CardStripeCoin98 Fusion CardNot disclosed
- Identity verification
- Phantom CardLinkCoin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Phantom Card14Coin98 Fusion Card23
- Last reviewed
- Phantom CardAug 5, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
Coin98 Fusion Card is the stronger all-round choice
Coin98 Fusion Card finishes ahead with an Overall Score of 60 versus 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Phantom Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Phantom Card uses a self-controlled wallet 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.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card and Coin98 Fusion Card reviews first.
Continue with
Phantom Card
Continue with
Coin98 Fusion Card
05 · Common questions
Phantom vs Coin98 Fusion FAQ
Is Phantom or Coin98 Fusion better overall?
Coin98 Fusion Card has the higher Overall Score (60 vs 59). 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, Phantom or Coin98 Fusion?
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, Phantom 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 Phantom and Coin98 Fusion differ on custody?
Phantom Card uses a self-controlled wallet 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 Phantom vs Coin98 Fusion comparison?
The latest information check for these two cards was August 5, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.