Phantom Cash Card
A self-custody Visa card. No yearly fee.
- Terms checked 27 Sep 2026
- Visa
- Prepaid
- Apple Pay and Google Pay
- Self-custody
- Free plan
- Earn on your balance
All amounts in US dollars
$0.00 a month
Real cashback rate 0.0%, on the Phantom Cash plan
$0.00 cashback$0.00 card fees$0.00 FX and other fees
Affiliate link: we may earn a commission if you sign up.
Pick a plan
- Pays the most
Phantom Cash
Free, no cashback
$0.00 a month, 0.0%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 0% | Phantom Cash |
| $500 | 0% | Phantom Cash |
| $750 | 0% | Phantom Cash |
| $1,000 | 0% | Phantom Cash |
| $1,500 | 0% | Phantom Cash |
| $2,000 | 0% | Phantom Cash |
| $2,500 | 0% | Phantom Cash |
| $3,000 | 0% | Phantom Cash |
| $4,000 | 0% | Phantom Cash |
| $5,000 | 0% | Phantom Cash |
| $6,000 | 0% | Phantom Cash |
| $7,500 | 0% | Phantom Cash |
| $10,000 | 0% | Phantom Cash |
Every fee
- Yearly fee
- None
- FX fee
- 1% plus US$0.30 on each international transaction (Lead Bank Prepaid Visa cardholder agreement). The model counts the 1%; the US$0.30 per purchase isn't modeled
- Conversion fee
- No card spending fee found in the sources reviewed
- Topping up
- Converting to stablecoins is described as free; fees can apply when you send, swap, fund or withdraw, and are shown in the app before you confirm
- ATM withdrawals
- No ATM access (virtual card only)
- Card issue
- $0 (virtual card only)
- Monthly fee
- $0
Our own test
We're testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
Phantom Cash Card's published terms, checked 27 September 2026. Where sources disagree, we go with the less generous reading.
- Lead Bank Prepaid Visa cardholder agreement (Phantom card)Terms
- Phantom help center: Cash feesFee schedule
- Phantom help center: using the virtual debit cardHelp center
- Phantom help center: feature availability by regionHelp center
- Phantom CashOfficial site
What's good and what to watch
Good
- Spend a dollar stablecoin (CASH) straight from the Phantom wallet
- No issuance or monthly fee
- Apple Pay support
Watch
- No cashback
- US only, and not available in New York
- Virtual card only, with no ATM access
- Default spending limit of $2,000 a day
At a glance
- Network
- Visa
- Custody
- self-custodial
- Card type
- prepaid
- Form
- virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- Solana
- Tokens
- CASH
- Availability
- United States (except New York)
- KYC
- Required (via Stripe)
- Funding
- CASH stablecoin balance in the Phantom wallet
- Spending limit
- Up to US$2,000 per transaction (cardholder agreement)
- ATM limit
- No ATM access
Perks and benefits
- Idle-balance yieldOptional variable rewards on unspent CASH (DeFi lending, not a card reward)
Affiliate link: we may earn a commission if you sign up.
General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.
Affiliate link: we may earn a commission if you sign up.