Why it stands out
- CASH stays self-custodial on Solana until card settlement begins.
- The virtual Visa supports Apple Pay and Google Pay for everyday checkout.
- US purchases have no card fee, with a $2,000 default daily limit.
Phantom Cash virtual cardStandard card design
Stablecoin account + Visa card
Phantom Card
Phantom Cash turns a self-custodial Solana CASH account into virtual Visa spending with Apple Pay, Google Pay and no fee on US purchases. It extends the Phantom wallet into a digital-first cash experience connecting self-custody, card payments and phone-wallet access.
Self-custodyUS availableCrypto-nativeStablecoin railsFiat top-upBank transfer
Main trade-offs
- The card is US-only except New York and has no physical version.
- ATM withdrawals are unavailable, and international purchase fees are unknown.
- The card has no purchase rewards; third-party yield needs a separate DeFi step.
01 · Core economics
Costs that matter
Phantom Card's current fee picture is organized by recurring cost, funding, FX and cash access. Items that are not public remain marked as not disclosed.
ItemStandard tierWhat it means
Virtual cardFreeThe current card fee schedule lists the virtual-card issuance price.
Cash funding0.3%–3.5% by route; wire 1%Cash-account funding is separate from card spending; the exact fee depends on the selected bank or card route.
Foreign exchangeMay apply; shown before confirmationCheck the fee shown before confirmation; there is no purchase reward to offset it.
ATM withdrawalNot availableNo ATM withdrawal route is listed for this card.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
Monthly planNot disclosedListed
Daily card spend$2,000 default daily and per transaction; up to $5,000/day by support requestListed
Monthly card spendMonthly card-spend limit not publishedListed
ATM limitNot availableListed
Account deposit$15,000 / rolling 28 days; $150,000 / rolling 365 daysListed
02 · Rewards programme
Self-custodial CASH spending with phone wallets
Phantom Card focuses on self-custodial CASH spending, phone-wallet access and US purchases. Purchase rewards are not currently offered.
Current card programme
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsNo ATM access
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot offered
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Phantom
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsThe Solana stablecoin is swapped into CASH in the self-custodial Cash account before card spend.USDCUSDTUSDGPYUSDSolanaFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Asset / network map
USDC: Solana · USDT: Solana · USDG: Solana · PYUSD: Solana
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
This is a parent Cash-account funding route, not direct stablecoin custody in the fiat card account.
Bank deposits
2 routes
Stripe card, Apple Pay, Google Pay or linked-bank depositStripe deposits use a $500 limit per rolling seven days.USDFee0.3–3.5%SpeedVaries by railLimitsStripe deposits use a $500 limit per rolling seven days.AvailabilityConfirmed scopeDetails
Fee components
- 1.75% · transfer
- 3.5% · transfer
- 0.3% · ACH
Access path
Via provider account
Availability
Stripe deposits use a $500 limit per rolling seven days. Card or bank partners may add separate charges.
ACH transfer or domestic wireDomestic wires have a $1,000,000 per-transaction limit.USDFee0.3–1%SpeedVaries by railLimitsDomestic wires have a $1,000,000 per-transaction limit.AvailabilityConfirmed scopeDetails
Fee components
- 0.3% · ACH
- 1% · Fedwire / wire
Access path
Via provider account
Availability
Domestic wires have a $1,000,000 per-transaction limit. Overall Cash-account ceilings are $15,000 per rolling 28 days and $150,000 per rolling 365 days.
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Cash-account funding is separate from card-purchase fees.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
CASH wallet transferThis is an onchain Cash-account route, separate from Phantom debit-card spending.CASHFeeNot confirmedSpeedNetwork-dependentLimitsPublic transfer limit not disclosedExternal costExternal on-chain feeDetails
Fee components
- External on-chain fee
Access path
Via provider account
Availability
Own Phantom wallet, Phantom username or Solana wallet where Cash is available
External cost scope
An external Solana network fee may apply for a first recipient; excluded from card scoring
Account setup
wallet
Restrictions
This is an onchain Cash-account route, separate from Phantom debit-card spending.
Bank transfers & payouts
2 routes
Standard ACH bank payoutCASH is converted to USD at 1:1 for the linked-bank payout.USDFeeNo fixed feeSpeedVaries by railLimitsPublic payout limit not disclosedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via provider account
Availability
Own or another person's linked US bank; US except New York
Restrictions
CASH is converted to USD at 1:1 for the linked-bank payout. This is a Cash-account payout, separate from card spending.
Fast ACH bank payoutFast ACH has a minimum total fee of $1.50 and is a Cash-account payout route.USDFee$1 + 0.75%SpeedVaries by railLimitsPublic payout limit not disclosedAvailabilityConfirmed scopeDetails
Fee components
- 0.75% · transfer
- $1 · transfer
Access path
Via provider account
Availability
Linked US bank; US except New York
Restrictions
Fast ACH has a minimum total fee of $1.50 and is a Cash-account payout route.
05 · Optional product
Add yield through a separate balance
External CASH yield via Kamino adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Optional yield
External CASH yield via Kamino
Variable by asset
- Yield source
- Borrower interest and partner incentives
- Yield mechanism
- Lending pool
- Protocols
- Kamino
- Strategy manager
- Kamino (third party)
- Asset
- CASH
- Spend directly from Earn balance
- No
- Withdraw anytime
- Not confirmed
- Deposit insurance
- Not confirmed
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Phantom is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- Link
Availability
Country-specific card access is listed below. The list may not be exhaustive, so confirm current eligibility during signup.
Countries explicitly listed1 country
United States
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productPhantom
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard issuerLead Bank
Issues the prepaid debit card.
Applies to: US Phantom Card programme except New York.Card processingBridge Ventures LLC
Draws CASH for USD card settlement and supports bank/card movement.
Applies to: Phantom Card and Cash-account settlement.Deposits & withdrawalsStripe
Processes card, phone-wallet and linked-bank funding routes.
Applies to: US Cash funding.Identity verificationLink
Supports progressive Cash identity verification.
Applies to: US Cash and Phantom Card access except New York.Card processingGalileo
Manages the card dispute investigation process.
Applies to: Phantom Card transactions.07 · Methodology
Why the score is 59
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
59/100
MixedHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift92
Custody & control
Self-custody; funds remain user-controlled before payment.
Additional support78
Everyday usability
Visa spending includes virtual card, Apple Pay and Google Pay.
Main constraint0
Rewards value
No purchase cashback is included in the confirmed product terms.
08 · Evidence
Sources
16 sources14 officialChecked Jul 25, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Use your virtual Phantom debit card (United States) – PhantomOfficial source ↗Cash fees – PhantomOfficial source ↗Bridge 2026Official source ↗Feature availability by region – PhantomOfficial source ↗Verify your identity for Cash (United States) – PhantomOfficial source ↗Understanding your Cash account – PhantomOfficial source ↗
09 · Similar cards
Check similar cards
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