savebackcards.com
DEEN

Bitstack Card vs Phantom Cash Card

Bitstack Card

Crypto enabled

5.5
Get the card
Phantom Cash Card

Crypto native

3.6
Get the card

Verdict

  • Bitstack Card scores higher overall (5.5 vs 3.6 out of 10).
  • Bitstack Card is clearly stronger on: Cashback & rewards, Product features, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitstack Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Cashback & rewards, Product features, Limits & ATM

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:

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 & sourcesBitstack Card vs ether.fi CashPhantom Cash Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitstack CardPhantom Cash Card
Fees97–
Cashback & rewards220
Availability33
FX & international––
Product features7047
Custody & security7580
Credit & financing3030
Limits & ATM8420
Transparency100100
Best for Cashback4.52.3
Best for Travel5.93.8
Best for Self-Custodyn/a5.8
Best for DeFi Usersn/a4.8
Best for Stablecoinsn/a4.9
Best for High Spenders5.12.7
Best for Low Fees8.4n/a
Best for Beginners6.75.0
Best E-Money Card7.0n/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

ActiveShow source
ActiveShow source

Card type

Debit cardConditions apply: tap or hover for detailsShow source

Card linked to the euro cash account

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

CustodialConditions apply: tap or hover for detailsShow source

Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet

Self-custodyShow source

Card issuer / program manager

Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
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)

Tiers / plans

Standard · PlusShow source
No data yet

Fees

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Plus €2.99/month or €29.99/year

No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Standard, plus delivery; Plus: free delivery, annual Plus: free

No data yet

ATM fee

1%Conditions apply: tap or hover for detailsShow source

Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal

No data yet

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Or 5 withdrawals per month

No data yet

Other fees & markups

Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Up to; Standard plan, eligibility conditions and caps apply

No data yet

Max cashback

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Plus plan (€2.99/month)

No data yet

Cashback paid in

BTCShow source
No data yet

Cashback type

CryptoShow 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

Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
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 provided · Cash Rewards not available in the US or US-sanctioned jurisdictionsConditions apply: tap or hover for detailsShow source

Cash Rewards is a balance reward funded by Phantom, not purchase cashback; rate shown in the app as APY, paid weekly in CASH, no minimum balance, no lock-ups; rewards pause once total Phantom rewards reach $1,500 in a tax year until US-person status is confirmed or identity verified; not available in the US, where the card is offered

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

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

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

Availability

Available in

FranceShow source
United StatesConditions apply: tap or hover for detailsShow source

Except New York; identity verification required for the card

Account / spend currencies

EURShow source
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

YesConditions apply: tap or hover for detailsShow source

French IBAN

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
NoShow source

Virtual card

No data yet
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

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

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

Spendable assets

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

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

Blockchains

No data yet
SolanaShow source

Limits

Spending limit

€1,000Conditions apply: tap or hover for detailsShow source

Per month for international payments on Standard; €3,000 on Plus

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

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

Security & custody

Regulation / licences

CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
No data yet

Annual cost at 1,500 EUR/month

Bitstack Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • 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

More Bitstack Card comparisons

More Phantom Cash Card comparisons