Coin98 Fusion Card vs Gemini Credit Card
Crypto native
Crypto native
Verdict
- Coin98 Fusion Card and Gemini Credit Card have the same overall score (6.0/10).
- Coin98 Fusion Card is clearly stronger on: Availability, Limits & ATM.
- Gemini Credit Card is clearly stronger on: Fees, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coin98 Fusion Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability, Limits & ATM
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, Product features
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Coin98 Fusion Card | Gemini Credit Card |
|---|---|---|
| Fees | 86 | 100 |
| Cashback & rewards | – | 30 |
| Availability | 40 | 3 |
| FX & international | – | 100 |
| Product features | 56 | 70 |
| Custody & security | – | 75 |
| Credit & financing | – | 70 |
| Limits & ATM | 65 | 10 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.8 |
| Best for Travel | 6.2 | 6.7 |
| Best for DeFi Users | n/a | 7.1 |
| Best for High Spenders | n/a | 5.9 |
| Best for Low Fees | 7.8 | 8.7 |
| Best for Beginners | 6.7 | 6.8 |
| Best Crypto Credit Card | n/a | 7.2 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Credit cardShow source
Network
VisaShow source
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
Card issuer / program manager
DCSConditions apply: tap or hover for detailsShow source
Service provider handling card matters; Coin98 acts as communication bridge
WebBank (issuer); Gemini Constellation, LLC (servicer)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
$9Conditions apply: tap or hover for detailsShow source
One-time activation
FX fee
0%Show source
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Charged by Coin98 and the service provider (DCS) on each top-up
ATM fee
1% (min. SGD 5)Conditions apply: tap or hover for detailsShow source
1% or SGD 5, whichever is higher, per transaction
3% (min. $10)Conditions apply: tap or hover for detailsShow source
Cash advance: $10 or 3%, whichever is greater; cash advance APR 29.74% from the transaction date
Other fees & markups
One-time card issuance fee (amount not stated on page); no annual feeShow source
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Gas, EV charging and transit, on up to $300 spend a month (then 1%)
Cashback paid in
Eligible digital asset selected by the cardholder; bitcoin by defaultConditions apply: tap or hover for detailsShow source
Cardholder picks from Gemini's list of eligible digital assets and can change the election at any time
Cashback type
CryptoShow source
Cashback-eligible spend cap
$300/monthConditions apply: tap or hover for detailsShow source
Per month, applies to the 4% gas/EV/transit category only (then 1%); spend cycle refreshes on the 1st of each calendar month
Cashback conditions
4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Spend cycle refreshes on the 1st of each calendar month · Rewards are deposited when the transaction posts; some exclusions apply to instant rewards · 10% Vault Rewards at selected merchants on a limited monthly spend that varies by merchant offerShow source
Reward exclusions
ATM transactions · Card account fees · Interest charges · Cash advances · Gift cards, prepaid debit cards, traveler's checks, precious metals, casino chips, cryptocurrency, lottery tickets and other cash equivalents · Balance transfers · Credit card convenience checks · Reloading prepaid cards · Gaming-related transactionsConditions apply: tap or hover for detailsShow source
Full list in the Qualifying Purchase Transaction definition; Gemini Constellation may add exclusions at any time
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
Credit type
Revolving creditShow source
Interest (APR)
16.74%Conditions apply: tap or hover for detailsShow source
16.74% to 34.74% variable purchase APR based on creditworthiness (Prime Rate 7.00% on 25 Sep 2026)
Grace period
Payment due at least 25 days after each billing cycle closes; no interest on purchases when the full balance is paid by the due dateShow source
Availability
Available in
Asia-PacificConditions apply: tap or hover for detailsShow source
Currently available to residents in the APAC region
United StatesConditions apply: tap or hover for detailsShow source
US residents only, at application and while the account is open
Account / spend currencies
USDC · USDTShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoConditions apply: tap or hover for detailsShow source
Coming soon
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Limits
ATM limit
SGD 10,000Conditions apply: tap or hover for detailsShow source
Per day; up to SGD 100,000 per month
Spending limit
SGD 200,000Conditions apply: tap or hover for detailsShow source
12-month rolling limit; higher limit on request
Security & custody
Regulation / licences
Gemini Trust Company, LLC NMLS #1518126 · Gemini Moonbase, LLC NMLS #2403509Conditions apply: tap or hover for detailsShow source
Entities offering the rewards program; card issued by WebBank
Annual cost at 1,500 EUR/month
Coin98 Fusion Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−42 EUR
- Cashbackunknown
- Net annual valuenot enough data
Gemini Credit Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−107 EUR
- Cashback+32 EUR
- Net annual value-75 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers