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ether.fi Cash vs Phantom Cash Card

ether.fi Cash

Crypto native

★ Our pick
8.1
Get the card
Phantom Cash Card

Crypto native

3.6
Get the card

Verdict

  • ether.fi Cash scores higher overall (8.1 vs 3.6 out of 10).
  • ether.fi Cash is clearly stronger on: Cashback & rewards, Availability, Product features, Credit & financing.
  • Phantom Cash Card is clearly stronger on: Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

ether.fi Cash is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards, Availability, Product features, Credit & financing

Phantom Cash Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Transparency

Score by criterion

Criterionether.fi CashPhantom Cash Card
Fees100–
Cashback & rewards690
Availability1003
FX & international40–
Product features10047
Custody & security8580
Credit & financing7530
Limits & ATM–20
Transparency74100
Best for Cashback7.72.3
Best for Travel6.73.8
Best for Self-Custody8.15.8
Best for DeFi Users8.14.8
Best for Stablecoins7.74.9
Best for High Spenders7.02.7
Best for Low Fees7.4n/a
Best for Beginners9.05.0
Best Crypto Credit Card7.9n/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

Crypto-backed creditConditions apply: tap or hover for detailsShow source

Marketed as a credit card; Direct Pay mode spends your own balance

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-custodyConditions apply: tap or hover for detailsShow source

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Self-custodyShow source

Card issuer / program manager

Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.Conditions apply: tap or hover for detailsShow source

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

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

Core · Luxe · Pinnacle · VIPShow source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking

No data yet

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Core membership

No data yet

Physical card fee

$60Conditions apply: tap or hover for detailsShow source

Core, including shipping; Luxe and higher get 1 free

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

First virtual card free on Core; $10 in some regions and for further cards

No data yet

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Non-USD purchases, Core: 1% FX base fee + up to 0.5% (Luxe +0.25%, Pinnacle/VIP none). Purchases charged in EUR: 0% FX markup.

No data yet

ATM fee

Not disclosedConditions apply: tap or hover for detailsShow source

Core: ATM withdrawals available, fee not stated; Pinnacle and VIP: free, up to 10 withdrawals per month. The marketing page that listed 2% now redirects to /personal.

No data yet

Cashback & rewards

Base cashback

3%Conditions apply: tap or hover for detailsShow source

Core membership, on the first $2,000 of card spend per month

No data yet

Max cashback

4%Conditions apply: tap or hover for detailsShow source

VIP membership, on the first $50,000 of card spend per month

No data yet

Cashback paid in

ETHFIShow source
No data yet

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)

Interest on balance

5.35%Conditions apply: tap or hover for detailsShow source

USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk

No data yet

Cashback-eligible spend cap

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

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

No data yet

Cashback conditions

Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every monthShow 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

Reward expiry / vesting

Converted to ETHFI at settlement, locked for 7 days, then must be claimedShow source
No data yet

Reward exclusions

ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)Show source
No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Borrow Mode

NoShow source

Credit type

Crypto-backed creditShow source
No data yet

Collateral assets

USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLxConditions apply: tap or hover for detailsShow source

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

No data yet

Max loan-to-value

81%Conditions apply: tap or hover for detailsShow source

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

No data yet

Interest notes

Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuouslyShow source
No data yet

Grace period

None; interest accrues immediately after borrowingShow source
No data yet

Repayment

Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi AccountShow source
No data yet

Liquidation risk

YesShow source
No data yet

Spend own balance directly

YesShow source
YesConditions apply: tap or hover for detailsShow source

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

Spend by borrowing against collateral

YesShow source
No data yet

Availability

Available in

AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United StatesConditions apply: tap or hover for detailsShow source

Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card

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

YesConditions apply: tap or hover for detailsShow source

Only where Apple Pay is supported

YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Not shipped to every eligible region

NoShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Not permitted in North Korea, Iran and Myanmar

NoConditions apply: tap or hover for detailsShow source

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

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

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

Airport lounge access

YesConditions apply: tap or hover for detailsShow source

Core: 2 free passes to premium lounges; unlimited from Pinnacle

No data yet

Travel / rental car insurance

YesConditions apply: tap or hover for detailsShow source

Auto rental coverage, shared across all memberships

No data yet

Purchase protection

YesConditions apply: tap or hover for detailsShow source

Purchase and price protection, all memberships

No data yet

Spendable assets

USDC · LiquidUSDConditions apply: tap or hover for detailsShow source

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

CASHConditions apply: tap or hover for detailsShow source

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

Blockchains

Ethereum · Polygon · Optimism · Arbitrum · ScrollConditions apply: tap or hover for detailsShow source

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

SolanaShow source

Limits

ATM limit

$25,000Conditions apply: tap or hover for detailsShow source

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

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

Ether.Fi states it is not licensed to provide financial services as part of the Card ServicesConditions apply: tap or hover for detailsShow source

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

No data yet

Deposit protection

NoConditions apply: tap or hover for detailsShow source

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

No data yet

Smart-contract risk

YesShow source
No data yet

Annual cost at 1,500 EUR/month

ether.fi Cash

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+540 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 ether.fi Cash comparisons

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