Verdict
- Oobit scores higher overall (8.0 vs 6.4 out of 10).
- Fuse Card is clearly stronger on: Fees, FX & international.
- Oobit is clearly stronger on: Availability, Product features, Custody & security, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Fuse Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, FX & international
Oobit is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Availability, Product features, Custody & security, Limits & ATM
★ 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 | Fuse Card | Oobit |
|---|---|---|
| Fees | 100 | 71 |
| Cashback & rewards | – | 100 |
| Availability | 23 | 100 |
| FX & international | 100 | 40 |
| Product features | 53 | 90 |
| Custody & security | 80 | 95 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 20 | 50 |
| Transparency | 100 | 93 |
| Best for Cashback | 6.0 | 8.9 |
| Best for Travel | 7.1 | 6.6 |
| Best for Self-Custody | 7.9 | 8.6 |
| Best for DeFi Users | 6.9 | 7.9 |
| Best for Stablecoins | 8.2 | 7.8 |
| Best for High Spenders | 6.3 | 7.4 |
| Best for Low Fees | 8.8 | 6.3 |
| Best for Beginners | 7.0 | 9.0 |
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
Prepaid cardConditions apply: tap or hover for detailsShow source
Lead Bank Prepaid Visa; not a gift card, no expiration date
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Solana smart account with multiple keys
Self-custodyConditions apply: tap or hover for detailsShow source
Crypto stays in your wallet until the moment you pay
Card issuer / program manager
Lead BankConditions apply: tap or hover for detailsShow source
Issuer: Lead Bank, a Missouri state-chartered bank; Program Manager: Bridge Ventures LLC; Platform Provider: Selimor Investments Ltd d/b/a Squads Labs (Fuse)
Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No fee for the card itself
Monthly fee
FreeShow source
Virtual card fee
FreeShow source
Replacement fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Including purchases outside the US
1.5%Conditions apply: tap or hover for detailsShow source
Up to 1.5% on non-USD purchases
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Swaps; 3% when swapping into OOB
Top-up fee
FreeShow source
ATM fee
2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Plus ATM operator fees
Settlement fee
FreeShow source
1% (min. $0.25)Conditions apply: tap or hover for detailsShow source
Per card payment (Brazil: 1%, no minimum)
Other fees & markups
Fees for Stablecoin Sales and other transactions incidental to card use may be charged by the Platform Provider (Fuse) or Program Manager (Bridge); amounts not stated in this agreementShow source
Oobit transaction fee $0.25 or 1% (whichever is higher) per transaction · Returned payment fee $29Show source
Cashback & rewards
Base cashback
5%Conditions apply: tap or hover for detailsShow source
Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to
Cashback paid in
USDC (EEA residents) / USDT (outside EEA)Show source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards
Cashback-eligible spend cap
$200/monthConditions apply: tap or hover for detailsShow source
When paying with tokens other than OOB; $10,000/month when paying with OOB
Cashback conditions
Tap to Pay points: level 1 earns 1 point per USD, up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments in the app; cannot be withdrawn or transferredShow source
Staking / holding required for top rewards
NoShow source
Reward expiry / vesting
Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source
Reward exclusions
Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source
Credit & financing
Credit line
NoShow source
NoConditions apply: tap or hover for detailsShow source
Classified as credit card only for network acceptance; spends own crypto
Credit type
NoneShow source
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
Currently 0% on all purchases; issuer may introduce interest for new purchases
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
At each purchase the Program Manager sells stablecoins from the user's Fuse (Platform Provider) wallet and loads the fiat proceeds onto the card
YesShow source
Availability
Available in
United States, Argentina, BO, Brazil, Colombia, CR, DO, EC, SV, GH, GT, HN, Mexico, PA, Nigeria, PY, Peru, UYConditions apply: tap or hover for detailsShow source
US except residents of New York and Alaska; age 18+; KYC required. The FAQ also contains an older line naming only the U.S. and Argentina
AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New ZealandConditions apply: tap or hover for detailsShow source
Country list as given on the page (74 countries listed, page claims 80+)
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
The card holds only fiat currency; fees are applied to the U.S. dollar amount of each transaction
USDConditions apply: tap or hover for detailsShow source
Base currency; other currencies converted automatically, rate shown on receipt
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
After verification
Google Pay
YesConditions apply: tap or hover for detailsShow source
After verification
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoShow source
YesShow source
Spend stablecoins
YesShow source
YesShow source
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated
Purchase protection
YesConditions apply: tap or hover for detailsShow source
Visa Platinum benefits, included automatically
Spendable assets
USDCConditions apply: tap or hover for detailsShow source
Only USDC in the Card Account
USDT · Bitcoin · Ethereum · StablecoinsShow source
Blockchains
SolanaShow source
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Other networks may be added at issuer discretion
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day by default; may be raised after some usage
$10,000Conditions apply: tap or hover for detailsShow source
Per day; maximum limit
Security & custody
Regulation / licences
US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Fiat currency on the card is not eligible for FDIC insurance
Annual cost at 1,500 EUR/month
Fuse Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees+0 EUR
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Oobit
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- Cashback+107 EUR
- Net annual value-157 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers