Skip to content

Compare cards

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

Phantom Card
Fuse Card
Solid Card
Karta Personal Card

Compare the details

Best known Not disclosed

Scroll for more cards and details.

Feature
Phantom Card
Fuse Card
Solid Card
Karta Personal Card
01

Scores

Overall Score
Phantom Card
59
Fuse Card
74
Solid Card
86
Karta Personal Card
62
Cashback score
Phantom Card
14
Fuse Card
25
Solid Card
89
Karta Personal Card
15
Travel score
Phantom Card
25
Fuse Card
65
Solid Card
57
Karta Personal Card
47
Funds control score
Phantom Card
89
Fuse Card
91
Solid Card
95
Karta Personal Card
92
Lowest fees score
Phantom Card
44
Fuse Card
93
Solid Card
82
Karta Personal Card
55
Transfers score
Phantom Card
88
Fuse Card
97
Solid Card
93
Karta Personal Card
91
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.
Fuse Card
  • iPhone users spending Solana USDC through Fuse Wallet and Apple Pay.
  • Receiving USD or EUR bank transfers alongside a Solana wallet account.
Solid Card
  • Core users earning 3% in USDC after Rewards opt-in, capped at $50/month.
  • Wirex users paying in EUR with 0% FX when EURC covers the full purchase.
Karta Personal Card
  • Managing a USDT-funded spending card directly through Telegram.
  • Funding from supported USDT or USDC networks without a monthly plan fee.
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.
Fuse Card
  • The card has no cashback, physical version or ATM withdrawal access.
  • Spend uses a separate Card Account; Earn deposits must be withdrawn first.
Solid Card
  • Cashback arrives 14 days after settlement; savings boosts pay in soFUSE.
  • Category boosts cover the first qualifying purchase per category each month.
Karta Personal Card
  • Purchases cost 1.5%; FX and cross-border fees can add separate charges.
  • Personal purchases earn no cashback; Karat rewards come from referrals.
03

Costs

Plan cost
Phantom Card
Not disclosed
Fuse Card
$0
Solid Card
$0
Karta Personal Card
$0
FX fee
Phantom Card
May apply; shown before confirmation
Fuse Card
0%
Solid Card
0–1.5%
Karta Personal Card
1–3%
Top-up fee
Phantom Card
0.3–3.5%
Fuse Card
0%
Solid Card
0.03–0.1%
Karta Personal Card
Free on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
Card spending fee
Phantom Card
0%
Fuse Card
0%
Solid Card
0%
Karta Personal Card
1.5%
ATM fee
Phantom Card
Not available
Fuse Card
Not available
Solid Card
Not available
Karta Personal Card
USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
Virtual card
Phantom Card
Free virtual card
Fuse Card
Virtual card purchase $0 after Bridge KYC
Solid Card
Virtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
Karta Personal Card
5 USDT one-time
Physical card
Phantom Card
Not available
Fuse Card
Not available in captured Fuse support page
Solid Card
Physical card not listed
Karta Personal Card
99 USDT plastic / 299 USDT Metal LED preorder
04

Plans

Available plans
Phantom Card
Not disclosed
Fuse Card
1 plans: Fuse Plus
Solid Card
3 plans: Core, Prime, Ultra
Karta Personal Card
Not disclosed
Top cashback plan
Phantom Card
Not disclosed
Fuse Card
Not disclosed
Solid Card
Ultra: 5%
Karta Personal Card
Not disclosed
05

Everyday use

Network
Phantom Card
Visa
Fuse Card
Visa
Solid Card
Visa
Karta Personal Card
Visa
Card formats
Phantom Card
Virtual
Fuse Card
Virtual
Solid Card
Virtual
Karta Personal Card
Virtual
ATM withdrawals
Phantom Card
Not available
Fuse Card
Not available
Solid Card
Not available
Karta Personal Card
Available
Mobile wallets
Phantom Card
Apple Pay, Google Pay
Fuse Card
Apple Pay
Solid Card
Apple Pay, Google Pay
Karta Personal Card
Apple Pay, Google Pay
Apps
Phantom Card
iOS, Android
Fuse Card
iOS
Solid Card
iOS, Android, Web
Karta Personal Card
No app listed
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
Fuse Card
$2,000/day; $2,000/transaction
Solid Card
Shown in app
Karta Personal Card
$25,000 per transaction; no universal daily amount published
Monthly spending limit
Phantom Card
Monthly card-spend limit not published
Fuse Card
Monthly cap not disclosed; daily and transaction caps are approved
Solid Card
Shown in app
Karta Personal Card
Not publicly disclosed; limits are dynamic
ATM limit
Phantom Card
Not available
Fuse Card
Not available
Solid Card
Not disclosed
Karta Personal Card
$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
06

Funding & transfers

Networks
Phantom Card
Solana
Fuse Card
Solana
Solid Card
Fuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
Karta Personal Card
Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
Crypto deposits
Phantom Card
Stablecoins: USDC, USDT, USDG, PYUSD
Fuse Card
Stablecoins: USDC; Other crypto: SOL, SPL tokens
Solid Card
Stablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
Karta Personal Card
Stablecoins: USDT, USDC
Fiat deposits
Phantom Card
Stripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
Fuse Card
USD virtual bank account, EUR virtual bank account
Solid Card
USD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
Karta Personal Card
USD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3
Transfers
Phantom Card
Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Fuse Card
Stablecoin transfers; ACH / SEPA bank transfers
Solid Card
Stablecoin transfers; Bank withdrawal
Karta Personal Card
Stablecoin transfers; Karta-to-Karta transfer; Bank payout
Payout currencies
Phantom Card
USD
Fuse Card
USD, EUR
Solid Card
Not disclosed
Karta Personal Card
Not disclosed
07

Rewards

Base cashback
Phantom Card
0%
Fuse Card
0%
Solid Card
3%
Karta Personal Card
0%
Max cashback
Phantom Card
0%
Fuse Card
0%
Solid Card
5%
Karta Personal Card
0%
Reward currency
Phantom Card
Not applicable
Fuse Card
No cashback
Solid Card
USDC cashback
Karta Personal Card
No cashback
08

Earn

Advertised APY
Phantom Card
Not disclosed
Fuse Card
Not disclosed
Solid Card
Up to 14% APY
Karta Personal Card
Not offered
How it works
Phantom Card
Optional earn vault
Fuse Card
Optional earn vault
Solid Card
Borrow against collateral, Optional earn vault
Karta Personal Card
Not offered
Separate deposit
Phantom Card
Yes
Fuse Card
Yes
Solid Card
Yes
Karta Personal Card
Not offered
Use balance for spending
Phantom Card
No
Fuse Card
No
Solid Card
Not disclosed
Karta Personal Card
Not offered
Lock-up
Phantom Card
Not disclosed
Fuse Card
Not disclosed
Solid Card
Not disclosed
Karta Personal Card
Not offered
09

Trust & availability

Custody
Phantom Card
Self-custody
Fuse Card
Self-custody
Solid Card
Self-custody
Karta Personal Card
Self-custody
Control until payment
Phantom Card
You keep control
Fuse Card
You keep control
Solid Card
You keep control
Karta Personal Card
You keep control
Card issuer
Phantom Card
Lead Bank
Fuse Card
Lead Bank
Solid Card
Rain, Third National, Wirex
Karta Personal Card
Nimbus LLC d/b/a Third National
Card processing
Phantom Card
Bridge Ventures LLC, Galileo, Stripe
Fuse Card
Bridge Ventures LLC, Squads Labs
Solid Card
Fuse Network Ltd
Karta Personal Card
Not disclosed
Custody / key management
Phantom Card
Not disclosed
Fuse Card
Not disclosed
Solid Card
Not disclosed
Karta Personal Card
Privy
Deposits & withdrawals
Phantom Card
Stripe
Fuse Card
Not disclosed
Solid Card
Not disclosed
Karta Personal Card
Not disclosed
Identity verification
Phantom Card
Link
Fuse Card
Not disclosed
Solid Card
Not disclosed
Karta Personal Card
Sumsub
Programme operator
Phantom Card
Not disclosed
Fuse Card
Bridge Ventures LLC
Solid Card
Fuse Network Ltd
Karta Personal Card
Karta Finance, Inc.
10

Sources

Official sources
Phantom Card
14
Fuse Card
15
Solid Card
20
Karta Personal Card
25
Last reviewed
Phantom Card
Oct 17, 2026
Fuse Card
Aug 29, 2026
Solid Card
Oct 17, 2026
Karta Personal Card
Oct 16, 2026

Signup offers

Solid Card

Partner offer

$25 in FUSE

Within 30 days of signup: $150 at 3+ shops, at least $10 at each. Eligible purchases only; those under $2 do not count.

Then make one more eligible purchase of $10+ before payout.

Offer details & conditions

Sign up through this referral link.

Sign up through the referral link, verify identity and activate the Solid Card.

Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.

After qualification, make one more eligible purchase of at least $10 before payout.

Rewards normally pay in FUSE to Savings 30 days after qualification; review can add up to 14 days. Refunds, pending payments, wallet/card top-ups, gift cards, transfers, financial services and other excluded categories do not qualify.

If the referral is not shown automatically, use this promo code.15QRE

The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.

Get SolidRead review
See other offers

Bonuses do not affect scores.