Phantom Cash Card vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- Xapo Bank Card scores higher overall (5.4 vs 4.0 out of 10).
- Phantom Cash Card is clearly stronger on: Product features, Transparency.
- Xapo Bank 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
Stronger on: Product features, Transparency
Xapo Bank Card is a good fit for
- Frequent travellers
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 | Xapo Bank Card |
|---|---|---|
| Fees | – | 49 |
| Cashback & rewards | 0 | 24 |
| Availability | 3 | – |
| FX & international | – | 100 |
| Product features | 70 | 53 |
| Custody & security | 80 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | 2.5 | 4.3 |
| Best for Travel | n/a | 6.8 |
| Best for Self-Custody | 6.1 | n/a |
| Best for DeFi Users | 5.1 | n/a |
| Best for Stablecoins | 5.2 | n/a |
| Best for High Spenders | 3.2 | 4.8 |
| Best for Low Fees | n/a | 6.9 |
| Best for Beginners | 5.6 | 5.7 |
| Best E-Money Card | n/a | 6.6 |
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
Prepaid card, Stablecoin cardShow source
Debit cardShow source
Network
VisaShow source
Custody model
Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Fees
Annual fee
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card included in the membership; additional replacement card in a year 25 USD
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network exchange rate, no Xapo markup
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Spread when spending from the BTC wallet
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow source
Cashback & rewards
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
Cashback paid in
BTCShow 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)
CryptoShow source
Interest on balance
4.1%Conditions apply: tap or hover for detailsShow source
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
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
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
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Complimentary metal card with the membership
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Included in the membership (metal, standard and virtual cards)
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Free up to USD 100 per month, then 2%
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
NoConditions apply: tap or hover for detailsShow source
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Blockchains
SolanaShow source
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day
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
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show source
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
Xapo Bank Card
- Annual & monthly fees−893 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−3 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers