Bit2Me Card vs Phantom Cash Card
Crypto native
Crypto native
Verdict
- Bit2Me Card scores higher overall (5.6 vs 4.0 out of 10).
- Bit2Me Card is clearly stronger on: Cashback & rewards.
- Phantom Cash Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bit2Me Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Cashback & rewards
Phantom Cash Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
★ 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 | Bit2Me Card | Phantom Cash Card |
|---|---|---|
| Fees | 89 | – |
| Cashback & rewards | 28 | 0 |
| Availability | – | 3 |
| FX & international | 20 | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 81 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | 2.5 |
| Best for Travel | 5.2 | n/a |
| Best for Self-Custody | n/a | 6.1 |
| Best for DeFi Users | 5.4 | 5.1 |
| Best for Stablecoins | n/a | 5.2 |
| Best for High Spenders | 4.7 | 3.2 |
| Best for Low Fees | 7.2 | n/a |
| Best for Beginners | 7.2 | 5.6 |
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
Debit cardShow source
Prepaid card, Stablecoin cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends a linked wallet on the Bit2Me exchange
Self-custodyShow source
Card issuer / program manager
PECUNIA CARDS EDE, S.L.U. (Pecunpay), e-money institution supervised by the Bank of SpainShow source
Tiers / plans
Space Center levels 0–7Show source
Fees
Monthly fee
FreeShow source
Physical card fee
€20Conditions apply: tap or hover for detailsShow source
Levels 0–2; €10 at level 3, €5 at level 4, free from level 5; plus €5 shipping outside Spain
Virtual card fee
FreeShow source
FX fee
2%Conditions apply: tap or hover for detailsShow source
Worldwide currencies; 1.75% for non-euro SEPA currencies, 0% in euro
Crypto conversion fee
0.95%Conditions apply: tap or hover for detailsShow source
Paying from a linked crypto wallet; 0% from the euro wallet
ATM fee
€0.55 + 1% (min. €0.75)Conditions apply: tap or hover for detailsShow source
Outside the eurozone; domestic €0 (up to €300 free), other eurozone countries €2.50; physical card only
Free ATM allowance
€300/monthShow source
Cashback & rewards
Max cashback
7%Conditions apply: tap or hover for detailsShow source
Highest Space Center level; up to 39% combined with Bit2Me Earn (+7%) and Bit2Me Life merchants (+25%)
Cashback paid in
B2MShow source
Cashback type
Platform tokenShow source
NoneConditions apply: tap or hover for detailsShow source
No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)
Max cashback per month
€300/monthConditions apply: tap or hover for detailsShow source
Level 7; €7.50 at level 1, none at level 0
Cashback conditions
Cashback level depends on the Bit2Me Space Center level · Monthly cashback cap from €7.50 (level 1) to €300 (level 7); no cashback cap listed at level 0 · Minimum purchase €0.30Show source
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
Credit & financing
Credit line
NoShow source
NoShow source
Availability
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
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card only
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
Limits
ATM limit
€300Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
Spending limit
€2,500Conditions apply: tap or hover for detailsShow source
Per transaction and per day; €20,000 a month
$2,000Conditions apply: tap or hover for detailsShow source
Per day; automatic review for $5,000 after 30 days
Annual cost at 1,500 EUR/month
Bit2Me Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Phantom Cash Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers