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Phantom Cash Card vs Zebec Card

Phantom Cash Card

Crypto native

3.7
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Zebec Card

Crypto native

4.5
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Verdict

  • Zebec Card scores higher overall (4.5 vs 3.7 out of 10).
  • Phantom Cash Card is clearly stronger on: Fees.
  • Zebec Card is clearly stronger on: Product features.
  • 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: Fees

Zebec Card is a good fit for

  • People who want to keep control of their keys

Stronger on: Product features

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesPhantom Cash Card vs ether.fi CashZebec Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionPhantom Cash CardZebec Card
Fees5820
Cashback & rewards0–
Availability37
FX & international––
Product features4770
Custody & security8080
Credit & financing30–
Limits & ATM20–
Transparency100100
Best for Cashback2.4n/a
Best for Travel3.9n/a
Best for Self-Custody5.96.4
Best for DeFi Users4.95.9
Best for Stablecoins5.1n/a
Best for High Spenders2.9n/a
Best for Low Fees5.74.4
Best for Beginners5.25.6

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

Debit cardConditions apply: tap or hover for detailsShow source

Described as stablecoin-linked debit card

Prepaid cardShow source

Network

VisaShow source
MastercardShow source

Custody model

Self-custodyShow source
Self-custodyConditions apply: tap or hover for detailsShow source

Silver Card described as non-custodial

Card issuer / program manager

Lead Bank (issuer); Bridge Ventures LLC (program manager); Phantom (platform provider)Conditions apply: tap or hover for detailsShow source

Prepaid Debit Visa Card

No data yet

Tiers / plans

No data yet
Silver · Carbon · BlackConditions apply: tap or hover for detailsShow source

Black temporarily offline for upgrades, expected to resume late 2026

Fees

Virtual card fee

FreeShow source
No data yet

Crypto conversion fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

Reloadable card: no transaction fees

Top-up fee

1.75%Conditions apply: tap or hover for detailsShow source

Add Cash with a debit card through Stripe incl. Apple Pay/Google Pay; credit card 3.50%; US bank direct deposit 0.30%; domestic wire 1.00%

2%Conditions apply: tap or hover for detailsShow source

Described as 'approximately 2%'; also 30 cents per transaction

Transfer fee

$1 + 0.75% (min. $1.50)Conditions apply: tap or hover for detailsShow source

Fast ACH withdrawal to US bank; standard ACH free

No data yet

Other fees & markups

Swaps from Cash into USDT, USDG, PYUSD or other tokens, and other tokens into Cash: 0.85% · International purchases with the debit card: fees may apply, shown before confirming · Solana setup cost when recipient wallet has never held CASH (network requirement)Show source
No sign-up fee · No transaction fee · Variable FX fees may apply when spending outside the card currency · Crypto-to-fiat conversion rates vary by token/currencyConditions apply: tap or hover for detailsShow source

Black Card

Cashback & rewards

Cashback paid in

CASH (Phantom USD stablecoin)Conditions apply: tap or hover for detailsShow source

Balance rewards, not purchase cashback

No data yet

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)

No data yet

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

No data yet

Staking asset

No data yet
ZBCNConditions apply: tap or hover for detailsShow source

extra rewards, Black Card

Credit & financing

Credit line

NoShow source
No data yet

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

Spends the Cash account balance; the account must be funded before paying

No data yet

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

Except New York; identity verification required for the card

United States, Canada, PR, VI, GU, AS, MP, United Kingdom, GI, GG, IM, JEConditions apply: tap or hover for detailsShow source

Silver USD/GBP; Silver EUR in supported EU countries (not listed)

Not available in

No data yet
United KingdomConditions apply: tap or hover for detailsShow source

UK currently restricted pending regulatory reviews and registration

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

CASH balance is converted to USD when paying; merchant is paid in USD

USD · EUR · GBPConditions apply: tap or hover for detailsShow source

Silver and Black: USD, EUR or GBP; Carbon: USD only

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

NoShow source
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

NoConditions apply: tap or hover for detailsShow source

ATM withdrawals and cash advances are unsupported merchant categories and are declined

No data yet

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH

No data yet

Spendable assets

CASHConditions apply: tap or hover for detailsShow source

Cash account balance (CASH), converted to USD at payment

180+ cryptocurrenciesConditions apply: tap or hover for detailsShow source

Black Card funding

Blockchains

SolanaShow source
BNB Smart Chain · Solana · Ethereum · Ripple · Tron · Sui · Stellar · BaseConditions apply: tap or hover for detailsShow source

Platform-wide: 150+ tokens across 18 blockchains; list not exhaustive

Limits

Spending limit

$2,000Conditions apply: tap or hover for detailsShow source

Per day; automatic review for $5,000 after 30 days

$50,000Conditions apply: tap or hover for detailsShow source

Black Card, daily; page uses $ sign

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

Zebec Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Phantom Cash Card comparisons

More Zebec Card comparisons