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Phantom Cash Card vs Tria Card

Phantom Cash Card

Crypto native

3.6
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Tria Card

Crypto native

7.2
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Verdict

  • Tria Card scores higher overall (7.2 vs 3.6 out of 10).
  • Tria Card is clearly stronger on: Cashback & rewards, Product features, Credit & financing, Limits & ATM.
  • 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

Tria Card is a good fit for

  • People who want to keep control of their keys
  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

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

★ 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
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Review & sourcesPhantom Cash Card vs ether.fi CashTria Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionPhantom Cash CardTria Card
Fees–91
Cashback & rewards044
Availability3–
FX & international–100
Product features4770
Custody & security8080
Credit & financing3075
Limits & ATM2071
Transparency10093
Best for Cashback2.36.2
Best for Travel3.88.0
Best for Self-Custody5.87.8
Best for DeFi Users4.87.4
Best for Stablecoins4.9n/a
Best for High Spenders2.76.9
Best for Low Feesn/a9.1
Best for Beginners5.07.4
Best Crypto Credit Cardn/a7.5

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 card, Stablecoin cardConditions apply: tap or hover for detailsShow source

Debit card linked to the CASH stablecoin balance of the Phantom Cash account

Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyShow source

Card issuer / program manager

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)

Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source

International card terms

Tiers / plans

No data yet
Lite · Pro · MaxShow source

Fees

Physical card fee

No data yet
$109Conditions apply: tap or hover for detailsShow source

Plastic card; Metal card 250 USD

Virtual card fee

No data yet
$25Conditions apply: tap or hover for detailsShow source

Virtual card; Plastic 109 USD, Metal 250 USD

FX fee

No data yet
0%Show source

Top-up fee

No data yet
FreeShow source

ATM fee

No data yet
$1 + 1%Conditions apply: tap or hover for detailsShow source

$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply

Other fees & markups

No data yet
FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosureConditions apply: tap or hover for detailsShow source

Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees

Cashback & rewards

Base cashback

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)

Max cashback

No data yet
6%Conditions apply: tap or hover for detailsShow source

Premium tier, headline rate, monthly spend caps apply

Cashback paid in

No data yet
USDT on ArbitrumShow source

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)

StablecoinShow source

Cashback-eligible spend cap

No data yet
$100/monthConditions apply: tap or hover for detailsShow source

Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st

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

Cashback is a membership benefit; it stops on new transactions if the membership is not renewedConditions apply: tap or hover for detailsShow source

Pro $109/year, Max $250/year standard renewal pricing

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Max loan-to-value

No data yet
100%Conditions apply: tap or hover for detailsShow source

Spending limit equals USD market value of collateral (1:1)

Interest (APR)

No data yet
0%Show source

Interest notes

No data yet
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source

Grace period

No data yet
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source

Repayment

No data yet
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source

Liquidation risk

No data yet
YesShow 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

No data yet

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

Except New York; identity verification required for the card

No data yet

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

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

No data yet

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Where supported

Physical card

NoShow source
YesConditions apply: tap or hover for detailsShow source

Pro (plastic) and Max (metal) tiers only

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Lite tier is virtual-only

ATM withdrawals

NoConditions apply: tap or hover for detailsShow source

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

YesShow source

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

1,000+ tokens accepted for fundingShow source

Blockchains

SolanaShow source
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source

Supported blockchains for collateral; more may be added

Limits

ATM limit

No data yet
$750Conditions apply: tap or hover for detailsShow source

Per transaction; maximum 3 withdrawals per 24 hours

Spending limit

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

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

No data yet

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

Tria Card

  • Annual & monthly feesunknown
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−23 EUR
  • Cashback+16 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 Phantom Cash Card comparisons

More Tria Card comparisons