Moto Card vs Phantom Cash Card
Crypto native
Crypto native
Verdict
- Moto Card scores higher overall (4.9 vs 3.6 out of 10).
- Moto Card is clearly stronger on: Cashback & rewards, Product features, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Moto Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Cashback & rewards, Product features, Credit & financing
Phantom Cash Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ 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 | Moto Card | Phantom Cash Card |
|---|---|---|
| Fees | 0 | – |
| Cashback & rewards | 20 | 0 |
| Availability | – | 3 |
| FX & international | 100 | – |
| Product features | 80 | 47 |
| Custody & security | 80 | 80 |
| Credit & financing | 70 | 30 |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 3.6 | 2.3 |
| Best for Travel | 6.3 | 3.8 |
| Best for Self-Custody | 6.2 | 5.8 |
| Best for DeFi Users | 5.7 | 4.8 |
| Best for Stablecoins | 5.4 | 4.9 |
| Best for High Spenders | 4.4 | 2.7 |
| Best for Low Fees | 4.8 | n/a |
| Best for Beginners | 5.7 | 5.0 |
| Best Crypto Credit Card | 5.6 | n/a |
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
Limited availabilityConditions apply: tap or hover for detailsShow source
Apply for access
ActiveShow source
Card type
Crypto-backed creditShow 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
VisaShow source
Custody model
Self-custodyShow 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
Annual fee
$2,500/yearConditions apply: tap or hover for detailsShow source
Or $250 per month
Monthly fee
$250/monthConditions apply: tap or hover for detailsShow source
Monthly membership option
FX fee
0%Show source
Transfer fee
FreeShow source
Cashback & rewards
Max cashback
5%Conditions apply: tap or hover for detailsShow source
5x points on travel, 3x dining and retail; 1 point = 0.01 USD
Cashback type
PointsShow 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)
Cashback conditions
1x points on all purchases, 3x on dining and retail, 5x on travel · Redeem for flights, hotels or up to $200/month statement creditsShow source
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
Credit & financing
Credit line
YesShow source
NoShow source
Credit type
Crypto-backed creditShow source
Repayment
Settle balance monthlyShow source
Spend own balance directly
NoShow source
YesConditions apply: tap or hover for detailsShow source
Spends the Cash account balance; the account must be funded before paying
Spend by borrowing against collateral
YesShow 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
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
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
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
Funding with USDC as collateral
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
Airport lounge access
YesShow source
Spendable assets
CASHConditions apply: tap or hover for detailsShow source
Cash account balance (CASH), converted to USD at payment
Blockchains
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
Moto Card
- Annual & monthly fees−4923 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- 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