Compare cards
Choose 2–4 cards to compare fees, rewards and everyday use.
Rebind Card
Phantom Card
ether.fi Cash Card
Karta Personal CardCompare the details
Best known Not disclosed
Scroll for more cards and details.
Scores
- Overall Score
- Rebind Card69Phantom Card59ether.fi Cash Card86Karta Personal Card62
- Cashback score
- Rebind Card32Phantom Card14ether.fi Cash Card84Karta Personal Card15
- Travel score
- Rebind Card53Phantom Card25ether.fi Cash Card82Karta Personal Card47
- Funds control score
- Rebind Card88Phantom Card89ether.fi Cash Card96Karta Personal Card92
- Lowest fees score
- Rebind Card67Phantom Card44ether.fi Cash Card65Karta Personal Card55
- Transfers score
- Rebind Card41Phantom Card88ether.fi Cash Card100Karta Personal Card91
Choosing a card
- Best fit
- Rebind Card
- EU users who want EURe spending through a separate card Safe.
- Foreign purchases at Visa rates without an added Gnosis FX markup.
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.
ether.fi Cash Card- Spending Liquid USD directly from Earn without a separate withdrawal.
- Keeping bank transfers and everyday Visa spending in one account.
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
- Rebind Card
- Move EURe to the card wallet before spending; savings are separate.
- Cashback enrollment and rates are unconfirmed; do not count on rewards.
Phantom Card- No purchase rewards, physical card or ATM withdrawals are offered.
- New York residents are excluded; international purchase fees remain unknown.
ether.fi Cash Card- ETHFI rewards require a manual claim, a 7-day hold and a $5 minimum.
- Core's first virtual card has a $10 issuance fee in selected countries.
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.
Costs
- Plan cost
- Rebind CardNot disclosedPhantom CardNot disclosedether.fi Cash Card$0Karta Personal Card$0
- FX fee
- Rebind CardNo added Gnosis FX fee; Visa rate appliesPhantom CardMay apply; shown before confirmationether.fi Cash Card0–0.5%Karta Personal Card1–3%
- Top-up fee
- Rebind Card0%Phantom Card0.3–3.5%ether.fi Cash CardNot disclosedKarta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20
- Card spending fee
- Rebind Card0%Phantom Card0%ether.fi Cash CardNot disclosedKarta Personal Card1.5%
- ATM fee
- Rebind CardNot disclosedPhantom CardNot availableether.fi Cash CardNot disclosedKarta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Virtual card
- Rebind CardFreePhantom CardFree virtual cardether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.Karta Personal Card5 USDT one-time
- Physical card
- Rebind CardNot offered through native Rebind issuance yetPhantom CardNot availableether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorder
Plans
- Available plans
- Rebind CardNot disclosedPhantom CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPKarta Personal CardNot disclosed
- Top cashback plan
- Rebind CardNot disclosedPhantom CardNot disclosedether.fi Cash CardVIP: 4%Karta Personal CardNot disclosed
Everyday use
- Network
- Rebind CardVisaPhantom CardVisaether.fi Cash CardVisaKarta Personal CardVisa
- Card formats
- Rebind CardVirtualPhantom CardVirtualether.fi Cash CardVirtual, PhysicalKarta Personal CardVirtual
- ATM withdrawals
- Rebind CardNot disclosedPhantom CardNot availableether.fi Cash CardAvailableKarta Personal CardAvailable
- Mobile wallets
- Rebind CardApple Pay, Google PayPhantom CardApple Pay, Google Payether.fi Cash CardApple Pay, Google PayKarta Personal CardApple Pay, Google Pay
- Apps
- Rebind CardiOS, AndroidPhantom CardiOS, Androidether.fi Cash CardiOS, Android, WebKarta Personal CardNo app listed
- Daily spending limit
- Rebind Card8,000 EURe over rolling 24 hours; 5,000 EURe per purchasePhantom Card$2,000 standard daily limit; eligibility for up to $5,000/day is assessed automatically after 30 days and transaction historyether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.Karta Personal Card$25,000 per transaction; no universal daily amount published
- Monthly spending limit
- Rebind CardMonthly spending limit unclearPhantom CardMonthly card-spend limit not publishedether.fi Cash CardMonthly limit shown in app; cashback caps vary by planKarta Personal CardNot publicly disclosed; limits are dynamic
- ATM limit
- Rebind Card250 EURe per withdrawal and 500 EURe daily under the Gnosis programme; virtual access unclearPhantom CardNot availableether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24h
Funding & transfers
- Networks
- Rebind CardGnosisPhantom CardSolanaether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17
- Crypto deposits
- Rebind CardStablecoins: EURePhantom CardStablecoins: USDC, USDT, USDG, PYUSDether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8Karta Personal CardStablecoins: USDT, USDC
- Fiat deposits
- Rebind CardNot disclosedPhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Karta Personal CardUSD ACH, USD SWIFT, USD Domestic wire, EUR SEPA +3
- Transfers
- Rebind CardNot disclosedPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payout
- Payout currencies
- Rebind CardNot disclosedPhantom CardUSDether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Karta Personal CardNot disclosed
Rewards
- Base cashback
- Rebind CardNot disclosedPhantom Card0%ether.fi Cash Card3%Karta Personal Card0%
- Max cashback
- Rebind CardNot disclosedPhantom Card0%ether.fi Cash Card4%Karta Personal Card0%
- Reward currency
- Rebind CardNot disclosedPhantom CardNot applicableether.fi Cash CardETHFI token cashbackKarta Personal CardNo cashback
Earn
- Advertised APY
- Rebind CardUp to 8% APYPhantom CardNot disclosedether.fi Cash CardUp to 5.47% APYKarta Personal CardNot offered
- How it works
- Rebind CardOptional earn vaultPhantom CardOptional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultKarta Personal CardNot offered
- Separate deposit
- Rebind CardYesPhantom CardYesether.fi Cash CardNot disclosedKarta Personal CardNot offered
- Use balance for spending
- Rebind CardNoPhantom CardNoether.fi Cash CardNot disclosedKarta Personal CardNot offered
- Lock-up
- Rebind CardNoPhantom CardNot disclosedether.fi Cash CardNot disclosedKarta Personal CardNot offered
Trust & availability
- Custody
- Rebind CardNon-custodialPhantom CardSelf-custodyether.fi Cash CardNon-custodialKarta Personal CardSelf-custody
- Control until payment
- Rebind CardYou keep controlPhantom CardYou keep controlether.fi Cash CardYou keep controlKarta Personal CardYou keep control
- Card issuer
- Rebind CardUAB MonavatePhantom CardLead Bankether.fi Cash CardThird NationalKarta Personal CardNimbus LLC d/b/a Third National
- Card processing
- Rebind CardGnosis PayPhantom CardBridge Ventures LLC, Galileo, Stripeether.fi Cash CardNot disclosedKarta Personal CardNot disclosed
- Custody / key management
- Rebind CardNot disclosedPhantom CardNot disclosedether.fi Cash CardNot disclosedKarta Personal CardPrivy
- Deposits & withdrawals
- Rebind CardMoneriumPhantom CardStripeether.fi Cash CardSEPA third-party providerKarta Personal CardNot disclosed
- Identity verification
- Rebind CardNot disclosedPhantom CardLinkether.fi Cash CardNot disclosedKarta Personal CardSumsub
- Programme operator
- Rebind CardNot disclosedPhantom CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZCKarta Personal CardKarta Finance, Inc.
Sources
- Official sources
- Rebind Card35Phantom Card14ether.fi Cash Card37Karta Personal Card25
- Last reviewed
- Rebind CardSep 5, 2026Phantom CardOct 17, 2026ether.fi Cash CardOct 6, 2026Karta Personal CardOct 16, 2026