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Choose 2–4 cards to compare fees, rewards and everyday use.

Phantom Card
KAST Card

Compare the details

Best known Not disclosed

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01

Scores

Overall Score
Phantom Card
59
KAST Card
84
Cashback score
Phantom Card
14
KAST Card
75
Travel score
Phantom Card
25
KAST Card
93
Funds control score
Phantom Card
89
KAST Card
71
Lowest fees score
Phantom Card
44
KAST Card
82
Transfers score
Phantom Card
88
KAST Card
100
02

Choosing a card

Best fit
Phantom Card
  • U.S. Phantom users spending self-custodied CASH without leaving the app.
  • Domestic purchases with no card-spend fee, using Apple Pay or Google Pay.
KAST Card
  • USD spending on Standard: 1.5% cashback, capped at $30/month.
  • Using stablecoins for card purchases and local bank payouts.
Before you choose
Phantom Card
  • No purchase rewards, physical card or ATM withdrawals are offered.
  • New York residents are excluded; international purchase fees remain unknown.
KAST Card
  • Non-USD purchases add 0.5–1.75% FX; those below $25 also cost $0.10.
  • ATM withdrawals cost $3 + 2%, plus FX when withdrawing non-USD cash.
03

Costs

Plan cost
Phantom Card
Not disclosed
KAST Card
$0
FX fee
Phantom Card
May apply; shown before confirmation
KAST Card
0.5–1.75%
Top-up fee
Phantom Card
0.3–3.5%
KAST Card
0%
Card spending fee
Phantom Card
0%
KAST Card
0%
ATM fee
Phantom Card
Not available
KAST Card
$3 + 2%
Virtual card
Phantom Card
Free virtual card
KAST Card
Free first two
Physical card
Phantom Card
Not available
KAST Card
Free; $40 shipping
04

Plans

Available plans
Phantom Card
Not disclosed
KAST Card
3 plans: Standard, Premium, Private
Top cashback plan
Phantom Card
Not disclosed
KAST Card
Private: 3%
05

Everyday use

Network
Phantom Card
Visa
KAST Card
Visa
Card formats
Phantom Card
Virtual
KAST Card
Virtual, Physical
ATM withdrawals
Phantom Card
Not available
KAST Card
Available
Mobile wallets
Phantom Card
Apple Pay, Google Pay
KAST Card
Apple Pay, Google Pay
Apps
Phantom Card
iOS, Android
KAST Card
iOS, Android
Daily spending limit
Phantom Card
$2,000 standard daily limit; eligibility for up to $5,000/day is assessed automatically after 30 days and transaction history
KAST Card
No cap
Monthly spending limit
Phantom Card
Monthly card-spend limit not published
KAST Card
No cap
ATM limit
Phantom Card
Not available
KAST Card
$500 per withdrawal; up to three withdrawals or $1,500 per 24 hours
06

Funding & transfers

Networks
Phantom Card
Solana
KAST Card
Solana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7
Crypto deposits
Phantom Card
Stablecoins: USDC, USDT, USDG, PYUSD
KAST Card
Stablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22
Fiat deposits
Phantom Card
Stripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
KAST Card
USD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2
Transfers
Phantom Card
Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
KAST Card
Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payouts
Payout currencies
Phantom Card
USD
KAST Card
USD, EUR, AED, SAR, JPY, INR, PHP, THB +4
07

Rewards

Base cashback
Phantom Card
0%
KAST Card
1.5%
Max cashback
Phantom Card
0%
KAST Card
3%
Reward currency
Phantom Card
Not applicable
KAST Card
USD cashback
08

Earn

Advertised APY
Phantom Card
Not disclosed
KAST Card
Up to 7% APY
How it works
Phantom Card
Optional earn vault
KAST Card
Optional earn vault
Separate deposit
Phantom Card
Yes
KAST Card
Yes
Use balance for spending
Phantom Card
No
KAST Card
No
Lock-up
Phantom Card
Not disclosed
KAST Card
No
09

Trust & availability

Custody
Phantom Card
Self-custody
KAST Card
Custodial
Control until payment
Phantom Card
You keep control
KAST Card
Provider controls funds
Card issuer
Phantom Card
Lead Bank
KAST Card
Third National
Card processing
Phantom Card
Bridge Ventures LLC, Galileo, Stripe
KAST Card
Tazapay
Custody / key management
Phantom Card
Not disclosed
KAST Card
BitGo
Deposits & withdrawals
Phantom Card
Stripe
KAST Card
Not disclosed
Identity verification
Phantom Card
Link
KAST Card
Not disclosed
Programme operator
Phantom Card
Not disclosed
KAST Card
Troia Corp
10

Sources

Official sources
Phantom Card
14
KAST Card
20
Last reviewed
Phantom Card
Oct 17, 2026
KAST Card
Oct 14, 2026