KazePay Card vs Phantom Cash Card
Crypto native
Crypto native
Verdict
- KazePay Card scores higher overall (4.8 vs 3.6 out of 10).
- KazePay Card is clearly stronger on: Limits & ATM.
- 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.
KazePay Card is a good fit for
- Stablecoin holders
Stronger on: Limits & ATM
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 | KazePay Card | Phantom Cash Card |
|---|---|---|
| Fees | 20 | – |
| Cashback & rewards | – | 0 |
| Availability | – | 3 |
| FX & international | – | – |
| Product features | 47 | 47 |
| Custody & security | 60 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | 60 | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 2.3 |
| Best for Travel | n/a | 3.8 |
| Best for Self-Custody | n/a | 5.8 |
| Best for DeFi Users | 5.1 | 4.8 |
| Best for Stablecoins | 4.9 | 4.9 |
| Best for High Spenders | n/a | 2.7 |
| Best for Low Fees | 4.6 | n/a |
| Best for Beginners | 5.4 | 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 cardShow source
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
VisaShow source
Custody model
CustodialShow source
Self-custodyShow source
Card issuer / program manager
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
Top-up fee
2%Conditions apply: tap or hover for detailsShow source
Physical card 2% per top-up; virtual card 1.8%–2.2% depending on card type and issuing bank
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
Physical card only; plus local ATM/operator fees; $ read as USD
Other fees & markups
Card issuance and maintenance fees apply (vary by card type/bank) · Currency conversion fees set by bank and network · Virtual card bank transaction fees 0%–5% by merchant category · Physical card shipping paid by applicantShow source
Cashback & rewards
Cashback paid in
CASH (Phantom USD stablecoin)Conditions apply: tap or hover for detailsShow source
Balance rewards, not purchase cashback
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, no minimum · Rewards pause at $1,500 per tax year until US-person status confirmed or identity verified · Cash Rewards not available in the UK or US-sanctioned jurisdictionsConditions apply: tap or hover for detailsShow source
Balance reward funded by Phantom, not purchase cashback; rate shown only in app
Minimum balance
$0Show source
Credit & financing
Credit line
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
USDT · USDCShow source
USDConditions apply: tap or hover for detailsShow source
CASH balance is converted to USD when paying; merchant is paid in USD
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Physical card; some virtual cards may support it depending on issuing bank
YesShow source
Google Pay
NoConditions apply: tap or hover for detailsShow source
Physical card; some virtual cards may support it depending on issuing bank
YesShow source
Physical card
YesShow source
NoShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
NoConditions apply: tap or hover for detailsShow source
ATM withdrawals and cash advances are unsupported merchant categories and are declined
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
Spendable assets
USDT · USDCShow source
CASHConditions apply: tap or hover for detailsShow source
Cash account balance (CASH), converted to USD at payment
Blockchains
BSC · Solana · Aptos · Tron · Base · Avalanche · ArbitrumShow source
SolanaShow source
Limits
ATM limit
$1,500Conditions apply: tap or hover for detailsShow source
Daily, physical card; monthly max $15,000; $ read as USD
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
KazePay Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costs−24 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