Crypto.comCrypto.com Prepaid
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Side-by-side card comparison
Crypto.com Prepaid vs Phantom: overall score versus use-case fit
Phantom Card has the higher Overall Score by 2 points (59 vs 57). Crypto.com Prepaid Card looks stronger for Cashback, Travel, and Lowest fees, while Phantom Card comes out ahead for Funds control and Transfers.
Information checked Aug 14, 202628 official sources reviewed
01 · Overall score versus use-case fit
Phantom Card is the better all-round starting point
Phantom Card has the higher Overall Score in this comparison. Crypto.com Prepaid Card may be the better fit for Cashback, Travel, and Lowest fees. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCrypto.com Prepaid57Phantom59Higher score
CashbackCrypto.com Prepaid31Phantom14Higher score
TravelCrypto.com Prepaid57Phantom25Higher score
Funds controlCrypto.com Prepaid40Phantom89Higher score
Lowest feesCrypto.com Prepaid48Phantom44Higher score
TransfersCrypto.com Prepaid47Phantom88Higher score
Choose Crypto.com Prepaid Card if cashback and travel matter most
Crypto.com Prepaid Card comes out ahead for Cashback, Travel, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Phantom Card if funds control and transfers matter most
Phantom Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Crypto.com Prepaid57Phantom59
Phantom Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXPhantomNot verified plan · May apply; shown before confirmation FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Phantom0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balancePhantomSelf-controlled wallet
Crypto.com Prepaid Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayPhantomVirtual · Apple Pay, Google Pay
Crypto.com Prepaid Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Phantom Card lists more stablecoins and ways to send money out (8 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Phantom CardOverall59
Crypto.com Prepaid CardOverall57Phantom CardOverall59Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Phantom Card59
- Cashback score
- Crypto.com Prepaid Card31Phantom Card14
- Travel score
- Crypto.com Prepaid Card57Phantom Card25
- Funds control score
- Crypto.com Prepaid Card40Phantom Card89
- Lowest fees score
- Crypto.com Prepaid Card48Phantom Card44
- Transfers score
- Crypto.com Prepaid Card47Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsPhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balancePhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Phantom CardNot disclosed
- FX fee
- Crypto.com Prepaid Card0–3%Phantom CardMay apply; shown before confirmation
- Top-up fee
- Crypto.com Prepaid Card2.99%Phantom Card0.3–3.5%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedPhantom Card0%
- ATM fee
- Crypto.com Prepaid Card0–2%Phantom CardNot available
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedPhantom CardFree virtual card
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Phantom CardNot available
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Phantom CardNot disclosed
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Phantom CardNot disclosed
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardPhantom CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalPhantom CardVirtual
- ATM withdrawals
- Crypto.com Prepaid CardAvailablePhantom CardNot available
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayPhantom CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidPhantom CardiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayPhantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearPhantom CardMonthly card-spend limit not published
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Phantom CardNot available
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedPhantom CardSolana
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHPhantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upPhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- Crypto.com Prepaid CardNot disclosedPhantom CardUSD
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Phantom Card0%
- Max cashback
- Crypto.com Prepaid Card5%Phantom Card0%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsPhantom CardNot applicable
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredPhantom CardNot disclosed
- How it works
- Crypto.com Prepaid CardNot offeredPhantom CardOptional earn vault
- Separate deposit
- Crypto.com Prepaid CardNot offeredPhantom CardYes
- Use balance for spending
- Crypto.com Prepaid CardNot offeredPhantom CardNo
- Lock-up
- Crypto.com Prepaid CardNot offeredPhantom CardNot disclosed
Trust & availability
7 fields- Custody
- Crypto.com Prepaid CardCustodialPhantom CardSelf-custody
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsPhantom CardYou keep control
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Phantom CardLead Bank
- Card processing
- Crypto.com Prepaid CardNot disclosedPhantom CardBridge Ventures LLC, Galileo
- Deposits & withdrawals
- Crypto.com Prepaid CardNot disclosedPhantom CardStripe
- Identity verification
- Crypto.com Prepaid CardNot disclosedPhantom CardLink
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Phantom CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Phantom Card14
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Phantom CardAug 5, 2026
04 · The trade-off
Phantom Card is the stronger all-round choice
Phantom Card finishes ahead with an Overall Score of 59 versus 57 for Crypto.com Prepaid Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid Card still comes out ahead for Cashback, Travel, and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Crypto.com Prepaid Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Phantom Card lists more stablecoins and ways to send money out (8 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Crypto.com Prepaid Card and Phantom Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Phantom Card
05 · Common questions
Crypto.com Prepaid vs Phantom FAQ
Is Crypto.com Prepaid or Phantom better overall?
Phantom Card has the higher Overall Score (59 vs 57). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Crypto.com Prepaid or Phantom?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Phantom?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Phantom differ on custody?
Crypto.com Prepaid Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Crypto.com Prepaid vs Phantom comparison?
The latest information check for these two cards was August 14, 2026, using 28 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.