Phantom Cash Card
Virtual Visa debit card of the Phantom wallet that spends the Cash balance, a self-custodial account on Solana holding the dollar stablecoin CASH. US only (not New York); Phantom pays variable rewards on Cash balances.
Base cashback
Max cashback
Base fee
FX fee
ATM fee
Card fee
Credit line
NoShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
- US residents only
Good for
- People who want to keep control of their keys
- Stablecoin holders
Not for
- Anyone living outside the United States
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Phantom Cash Card:
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.
All details
Fees0/15
No fees data published or researched yet.
Cashback & rewards2/14
- Cashback type
NoneConditions apply: tap or hover for detailsShow source
No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)
- Cashback conditions
Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are providedShow source
Not yet researched: Base cashback, Max cashback, Cashback paid in, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing1/11
- Credit line
NoShow source
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies2/4
- Available in
United StatesConditions apply: tap or hover for detailsShow source
Except New York; identity verification required for the card
- Account / spend currencies
USD (CASH stablecoin, 1:1)Show source
Not yet researched: Not available in, Own IBAN / bank details.
Features, wallets & supported assets5/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Virtual card
YesShow source
- Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
- Blockchains
SolanaShow source
Not yet researched: Physical card, ATM withdrawals, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets.
Security & custody0/3
No security & custody data published or researched yet.
Limits1/2
- Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day; automatic review for $5,000 after 30 days
Not yet researched: ATM limit.
Product4/7
- Product status
ActiveShow source
- Card type
Prepaid card, Stablecoin cardShow source
- Network
VisaShow source
- Custody model
Self-custodyShow source
Not yet researched: Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees | 20% | No data — excluded |
Cashback & rewards No cashback programme | 20% | 0 |
Availability 1 of 60 tracked countries | 15% | 3 |
FX & international | 10% | No data — excluded |
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM | 5% | No data — excluded |
Transparency 4 of 4 checked key terms disclosed | 5% | 100 |
Data coverage 65%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Is Phantom Cash Card a credit card?
No. It is a prepaid card, stablecoin card; you spend your own balance.
Where is Phantom Cash Card available?
United States (Except New York; identity verification required for the card).
Is Phantom Cash Card self-custodial?
Self-custody.
Does Phantom Cash Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history15 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Account / spend currencies recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Blockchains recorded · 22 October 2026 · auto-approved
- Spending limit recorded · 22 October 2026 · auto-approved