Crypto.com Visa Card (EEA) vs Phantom Cash Card
Crypto native
Crypto native
Verdict
- Crypto.com Visa Card (EEA) scores higher overall (6.1 vs 3.6 out of 10).
- Crypto.com Visa Card (EEA) is clearly stronger on: Availability, Product features, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Crypto.com Visa Card (EEA) is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability, 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:
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 | Crypto.com Visa Card (EEA) | Phantom Cash Card |
|---|---|---|
| Fees | 87 | – |
| Cashback & rewards | 9 | 0 |
| Availability | 100 | 3 |
| FX & international | – | – |
| Product features | 70 | 47 |
| Custody & security | – | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 64 | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.4 | 2.3 |
| Best for Travel | 6.3 | 3.8 |
| Best for Self-Custody | n/a | 5.8 |
| Best for DeFi Users | 4.9 | 4.8 |
| Best for Stablecoins | n/a | 4.9 |
| Best for High Spenders | 4.2 | 2.7 |
| Best for Low Fees | 7.6 | n/a |
| Best for Beginners | 7.6 | 5.0 |
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 cardShow 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
Card issuer / program manager
Foris MT Limited (Malta)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
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
Physical card fee
€4.99Conditions apply: tap or hover for detailsShow source
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
Replacement fee
€45.01Conditions apply: tap or hover for detailsShow source
Midnight; other tiers €50
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Only for top-ups with debit/credit card; minimum top-up €20
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Above the monthly free ATM limit; ATM provider surcharges may apply
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Other fees & markups
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free tier
Max cashback
4.5%Conditions apply: tap or hover for detailsShow source
Highest tier; monthly caps apply by tier
Cashback paid in
CROShow source
Cashback type
Platform tokenShow 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
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
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher tiers via subscription or 12-month CRO staking
Staking asset
CROShow source
Capital required for top rewards
€450,000Conditions apply: tap or hover for detailsShow source
Obsidian tier (4.5%); 12-month lockup
Reward exclusions
Certain merchant categories or channels are excluded from CRO RewardsShow source
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
prepaid card, must be topped up
NoShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends the Cash account balance; the account must be funded before paying
Availability
Available in
EEAShow 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
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
EU: available; not available in UK or Bahrain
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
EU: Google Wallet available, Samsung Wallet not available
YesShow source
Physical card
NoShow source
Virtual card
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
YesConditions apply: tap or hover for detailsShow source
Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Spendable assets
CASHConditions apply: tap or hover for detailsShow source
Cash account balance (CASH), converted to USD at payment
Blockchains
SolanaShow source
Limits
ATM limit
€2,000Conditions apply: tap or hover for detailsShow source
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
Spending limit
€25,000Conditions apply: tap or hover for detailsShow source
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
$2,000Conditions apply: tap or hover for detailsShow source
Per day; automatic review for $5,000 after 30 days
Security & custody
Regulation / licences
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
Annual cost at 1,500 EUR/month
Crypto.com Visa Card (EEA)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 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