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Deblock Card vs Phantom Cash Card

Deblock Card

Crypto native

5.6
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Phantom Cash Card

Crypto native

3.6
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Verdict

  • Deblock Card scores higher overall (5.6 vs 3.6 out of 10).
  • Deblock Card is clearly stronger on: Product features, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Deblock Card is a good fit for

  • Frequent travellers

Stronger on: 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 & sourcesDeblock Card vs ether.fi CashPhantom Cash Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionDeblock CardPhantom Cash Card
Fees70–
Cashback & rewards30
Availability–3
FX & international80–
Product features7047
Custody & security8580
Credit & financing3030
Limits & ATM8220
Transparency100100
Best for Cashback3.82.3
Best for Travel6.83.8
Best for Self-Custodyn/a5.8
Best for DeFi Users5.74.8
Best for Stablecoinsn/a4.9
Best for High Spenders4.32.7
Best for Low Fees7.9n/a
Best for Beginners6.85.0

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

Debit 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

VisaConditions apply: tap or hover for detailsShow source

Deblock is a direct VISA member

VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Euros safeguarded by the e-money institution; digital assets self-custodied

Self-custodyShow source

Card issuer / program manager

Deblock SAS (electronic money institution licensed by the ACPR, CIB 17748)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 · PremiumShow source
No data yet

Fees

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Premium 10 €/month

No data yet

FX fee

0.5%Conditions apply: tap or hover for detailsShow source

Standard, weekdays, after €500/month free FX allowance; 1% on weekends; Premium 0% always

No data yet

Crypto conversion fee

1.99%Conditions apply: tap or hover for detailsShow source

Standard buy/sell/swap fee; Premium 0.49%

No data yet

ATM fee

1% (min. €1)Conditions apply: tap or hover for detailsShow source

Standard, after 1 free withdrawal or €100/month; Premium & Native after 5 free withdrawals or €1,000/month; ATM operators may add own surcharge

No data yet

Free ATM allowance

€100/monthConditions apply: tap or hover for detailsShow source

Standard; Premium 1,000 €/month

No data yet

Other fees & markups

Free currency exchange only up to 1,000 €/month on Standard (unlimited on Premium) · Crypto buy/sell/swap fee 1.99% on Standard (0.49% on Premium)Show source
No data yet

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Standard plan; Premium up to 1%

No data yet

Max cashback

1%Conditions apply: tap or hover for detailsShow source

Premium plan (10 €/month)

No data yet

Cashback type

No data yet
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

No data yet
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

NoConditions apply: tap or hover for detailsShow source

No overdraft; may be considered in the future

NoShow source

Credit type

NoneShow source
No data yet

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

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

Except New York; identity verification required for the card

Account / spend currencies

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

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

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
NoShow source

Virtual card

YesConditions apply: tap or hover for detailsShow source

Standard: 1 virtual card; Premium: 10

YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Any ATM on the VISA network, also abroad

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

ATM limit

€15,000Conditions apply: tap or hover for detailsShow source

Standard; Premium 30,000 €; period not stated

No data yet

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

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

Security & custody

Regulation / licences

Crypto-Asset Service Provider (CASP) licensed by the AMF, no. A2025-001 · Electronic money institution licensed by the ACPR, CIB 17748Show source
No data yet

Annual cost at 1,500 EUR/month

Deblock Card

  • Annual & monthly fees+0 EUR
  • FX costs−18 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-18 EUR

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 Deblock Card comparisons

More Phantom Cash Card comparisons