Phantom Cash Card Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-09

Key Facts

Cashback

0% (rewards coming later)

Annual Fee

$0

Region

US (excl NY/AK)

Type

Debit

Network

Visa

KYC

full

Mobile Pay

Apple Pay, Google Pay

Overview

Phantom is a self-custodial multi-chain crypto wallet originally built for Solana and now supporting Ethereum, Polygon, Bitcoin, and others. The company was founded in 2021 by Brandon Millman, Chris Kalani, and Francesco Agosti, is headquartered in San Francisco, and raised a Series C round in 2025 co-led by Sequoia Capital and Paradigm at a reported $3 billion valuation.

The Phantom Cash Card is a crypto debit card offered by Phantom, available in US (excl NY/AK). It offers 0% (rewards coming later) cashback rewards on purchases. There is no annual fee to hold this card.

It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires full identity verification.

Fees & Costs

Conversion Fee

0%

Pros

• No annual fee
• Self-custody - you control your private keys
• Zero conversion fees
• Supports Apple Pay and Google Pay

Cons

• No cashback rewards on purchases
• Only available in the United States
• Conversion or top-up fees may apply

Note: Launched Dec 2025 as 'Phantom Cash'. Prepaid Visa debit via Lead Bank/Bridge Ventures (Program Manager). Physical + virtual card available. Apple/Google Pay. On-chain stablecoin-to-fiat conversion. NOT available in NY or AK. No EU/UK timeline announced. Passive rewards on unspent balance coming later 2026.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• Fuse Card by Squads Labs - 0% cashback, $0 fee, US (excl. NY, AK)
• Coinbase Debit Card by Coinbase - Up to 4% cashback, $0 fee, US (excl. HI)
• Fold Card by Fold - 0.5-1.5% BTC cashback, $0-$100/yr fee, US Only
• Solayer Emerald Card by Solayer - 1% + Points cashback, $10-$75 one-time fee, Global (US restricted)
• Robinhood Platinum Card by Robinhood - 1-10% cashback, $695/yr fee, US Only
• Fold Credit Card by Fold - 1.5-4% BTC cashback, $0 fee, US
• Gemini Credit Card by Gemini - 1-4% cashback, $0 fee, US Only
• Coinbase One (Amex) by Coinbase - 2-4% BTC cashback, $49.99-$2,999.99/yr fee, US (NOT NY/HI)

FAQ

What is the Phantom Cash Card?

The Phantom Cash Card is a crypto debit card offered by Phantom. It is available in US (excl NY/AK) and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the Phantom Cash Card offer?

The Phantom Cash Card offers 0% (rewards coming later) cashback.

What are the fees for the Phantom Cash Card?

The Phantom Cash Card has an annual fee of $0. Additional fees: Conversion fee: 0%.

Where is the Phantom Cash Card available?

The Phantom Cash Card is available in US (excl NY/AK). Its availability status is "US".

Is the Phantom Cash Card a credit or debit card?

The Phantom Cash Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Is the Phantom Cash Card a non-custodial card?

Yes, the Phantom Cash Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.

Does the Phantom Cash Card support Apple Pay or Google Pay?

Yes, the Phantom Cash Card supports Apple Pay and Google Pay for contactless payments.

Visit Phantom

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.