Phantom Cash Card vs Plasma One Card
Crypto native
Crypto native
Verdict
- Plasma One Card scores higher overall (6.9 vs 4.0 out of 10).
- Plasma One Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Phantom Cash Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Plasma One Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
★ 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 | Phantom Cash Card | Plasma One Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 0 | 55 |
| Availability | 3 | – |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 85 |
| Credit & financing | 30 | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 2.5 | 6.5 |
| Best for Self-Custody | 6.1 | 7.8 |
| Best for DeFi Users | 5.1 | 7.3 |
| Best for Stablecoins | 5.2 | 7.6 |
| Best for High Spenders | 3.2 | 6.3 |
| Best for Low Fees | n/a | 8.0 |
| Best for Beginners | 5.6 | 7.9 |
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
Prepaid card, Stablecoin cardShow source
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Rain (Visa Principal Member); account services by BridgeShow source
Tiers / plans
Lite · Core · PlatinumShow source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Lite tier (card cost $0); Core and Platinum are paid tiers; partner fees (FX, bank withdrawals) shown in the app
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Lite: 1 free virtual card; Core up to 2, Platinum up to 3
Other fees & markups
Partner fees on foreign exchange and bank withdrawals (shown in the app before you confirm)Conditions apply: tap or hover for detailsShow source
Platinum: Plasma covers the Visa FX fee
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Lite tier; Core 3%, Platinum 4% (AI cashback 5% / 10%)
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Platinum tier base cashback; AI spend 10%
Cashback paid in
XPLShow source
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)
Platform tokenShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to; variable, via DeFi vaults, not guaranteed; varies by tier
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
Platinum: 4% on first $3,000 monthly spend, 3% on next $7,000, 2% on next $5,000, 1% on the rest · Platinum: exclusively for XPL holders; up to $600/year flight cashback on eligible airlinesShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Platinum tier requires locking XPL
Staking asset
XPLConditions apply: tap or hover for detailsShow source
Lock 100,000 XPL for 12 months for Platinum
Credit & financing
Credit line
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
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
YesShow source
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
Security & custody
Regulation / licences
Plasma is not a regulated financial institution · Account services by Bridge (US: Bridge Building Inc.; EEA: Bridge Building Sp. Z.o.o.; others: Bridge Building Limited) · Card issued by Rain, Visa Principal MemberShow source
Deposit protection
NoShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to the Earn feature (third-party DeFi vaults)
Annual cost at 1,500 EUR/month
Phantom Cash Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Plasma One Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers