imToken Card vs Phantom Cash Card
Crypto native
Crypto native
Verdict
- imToken Card scores higher overall (5.6 vs 3.6 out of 10).
- 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.
imToken Card is a good fit for
- Stablecoin holders
- Frequent travellers
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 | imToken Card | Phantom Cash Card |
|---|---|---|
| Fees | 88 | – |
| Cashback & rewards | 0 | 0 |
| Availability | – | 3 |
| FX & international | 100 | – |
| Product features | – | 47 |
| Custody & security | 70 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 3.7 | 2.3 |
| Best for Travel | 7.1 | 3.8 |
| Best for Self-Custody | n/a | 5.8 |
| Best for DeFi Users | 5.4 | 4.8 |
| Best for Stablecoins | 6.8 | 4.9 |
| Best for High Spenders | 4.4 | 2.7 |
| Best for Low Fees | 8.7 | n/a |
| Best for Beginners | 6.5 | 5.0 |
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
Debit cardConditions apply: tap or hover for detailsShow source
Spends the Fiat24 multi-currency cash account
Debit card, Stablecoin cardConditions apply: tap or hover for detailsShow source
Debit card linked to the CASH stablecoin balance of the Phantom Cash account
Network
MastercardShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Tokens in the self-custodial imToken wallet; top-ups become a fiat cash account at Fiat24
Self-custodyShow source
Card issuer / program manager
Fiat24 (Switzerland)Show source
StripeConditions apply: tap or hover for detailsShow source
Replacement cards and cards activated after 2026-10-05 are Stripe-issued; cards activated before 2026-10-05 without a replacement are Bridge-issued (disputes via Galileo)
Fees
Annual fee
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Account NFT minting fee 0.001 ETH applies
FX fee
0%Show source
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Token top-ups; fiat deposits free
Other fees & markups
Account NFT minting fee 0.001 ETH · Additional charges may apply for settlements and exchange rate discrepanciesShow source
Cashback & rewards
Cashback type
NoneConditions apply: tap or hover for detailsShow source
A rebate plan is announced
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 provided · Cash Rewards not available in the US or US-sanctioned jurisdictionsConditions apply: tap or hover for detailsShow source
Cash Rewards is a balance reward funded by Phantom, not purchase cashback; rate shown in the app as APY, paid weekly in CASH, no minimum balance, no lock-ups; rewards pause once total Phantom rewards reach $1,500 in a tax year until US-person status is confirmed or identity verified; not available in the US, where the card is offered
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends the Cash account balance; the account must be funded before paying
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 · EUR · CHF · CNHShow source
USDConditions apply: tap or hover for detailsShow source
CASH balance is converted to USD when paying; merchant is paid in USD
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
NoShow source
Virtual card
YesShow source
ATM withdrawals
NoConditions apply: tap or hover for detailsShow source
ATM withdrawals and cash advances are unsupported merchant categories and are declined
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Top up with USDC or USDT
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
Spendable assets
ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Major ERC-20 tokens for top-ups
CASHConditions apply: tap or hover for detailsShow source
Cash account balance (CASH), converted to USD at payment
Blockchains
Ethereum · ArbitrumShow source
SolanaShow source
Limits
Spending limit
$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
imToken Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- 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