JupiterJupiter
81
Side-by-side card comparison
Jupiter vs Phantom: overall score versus use-case fit
Jupiter Card has the higher Overall Score by 22 points (81 vs 59). Jupiter Card looks stronger for Cashback, Travel, and Lowest fees, while Phantom Card comes out ahead for Funds control and Transfers.
Information checked Aug 12, 202639 official sources reviewed
01 · Overall score versus use-case fit
Jupiter Card is the better all-round starting point
Jupiter Card has the higher Overall Score in this comparison. Phantom Card may be the better fit for Funds control and Transfers. 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.
OverallJupiter81Phantom59Higher score
CashbackJupiter87Phantom14Higher score
TravelJupiter52Phantom25Higher score
Funds controlJupiter54Phantom89Higher score
Lowest feesJupiter79Phantom44Higher score
TransfersJupiter76Phantom88Higher score
Choose Jupiter Card if cashback and travel matter most
Jupiter 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.
- 2% base cashback in USDC
- No annual or USD spend fee
- Apple Pay and Google Pay ready
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
- Jupiter81Phantom59
Jupiter Card has the higher Overall Score by 22 points.
- Entry cost & FX
- Jupiter$0 plan · 1–1.8% 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
- Jupiter2% base · up to 4%Phantom0% cashback
Jupiter Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- JupiterCustodial balancePhantomSelf-controlled wallet
Jupiter 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
- JupiterVirtual · Apple Pay, Google PayPhantomVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Jupiter2 stablecoins · Noah local and SWIFT payoutsPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Phantom Card lists more stablecoins and ways to send money out (8 vs 3).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 1–1.8%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 20 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Jupiter Card
Get $20
$20 after qualifying Jupiter Card spend
- Activate the Jupiter Card.
- Spend $1,000 on qualifying card purchases within 30 days of activation.
Jupiter Card promo codeZEJ8C4ZS
Offer terms can change. Check the current Jupiter Spend referral programme before applying.
Phantom Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsJupiter CardOverall81Phantom CardOverall59
Jupiter CardOverall81Phantom CardOverall59Scores
6 fields- Overall Score
- Jupiter Card81Phantom Card59
- Cashback score
- Jupiter Card87Phantom Card14
- Travel score
- Jupiter Card52Phantom Card25
- Funds control score
- Jupiter Card54Phantom Card89
- Lowest fees score
- Jupiter Card79Phantom Card44
- Transfers score
- Jupiter Card76Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- Jupiter Card2% base cashback in USDC, No annual or USD spend feePhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- Jupiter Card4% requires fresh referrals, FX depends on your issuerPhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- Jupiter Card$0Phantom CardNot disclosed
- FX fee
- Jupiter Card1–1.8%Phantom CardMay apply; shown before confirmation
- Top-up fee
- Jupiter Card0%Phantom Card0.3–3.5%
- Card spending fee
- Jupiter Card0%Phantom Card0%
- ATM fee
- Jupiter CardNot availablePhantom CardNot available
- Virtual card
- Jupiter CardNot disclosedPhantom CardFree virtual card
- Physical card
- Jupiter CardPlanned by the end of 2026; not currently availablePhantom CardNot available
Plans
2 fields- Available plans
- Jupiter CardNot disclosedPhantom CardNot disclosed
- Top cashback plan
- Jupiter CardNot disclosedPhantom CardNot disclosed
Everyday use
8 fields- Network
- Jupiter CardVisaPhantom CardVisa
- Card formats
- Jupiter CardVirtualPhantom CardVirtual
- ATM withdrawals
- Jupiter CardNot availablePhantom CardNot available
- Mobile wallets
- Jupiter CardApple Pay, Google PayPhantom CardApple Pay, Google Pay
- Apps
- Jupiter CardiOS, AndroidPhantom CardiOS, Android
- Daily spending limit
- Jupiter CardDCS: $50,000/day; Rain: no disclosed daily limitPhantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- Monthly spending limit
- Jupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitPhantom CardMonthly card-spend limit not published
- ATM limit
- Jupiter CardNot available on the current digital-only cardPhantom CardNot available
Funding & transfers
5 fields- Networks
- Jupiter CardSolana, Sui, Arbitrum, BasePhantom CardSolana
- Crypto deposits
- Jupiter CardStablecoins: USDC, USDTPhantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- Jupiter CardUSD virtual account receive, EUR virtual account receivePhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- Jupiter CardNoah local and SWIFT payoutsPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- Jupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, JPY +12Phantom CardUSD
Rewards
3 fields- Base cashback
- Jupiter Card2%Phantom Card0%
- Max cashback
- Jupiter Card4%Phantom Card0%
- Reward currency
- Jupiter CardUSDCPhantom CardNot applicable
Earn
5 fields- Advertised APY
- Jupiter CardNot disclosedPhantom CardNot disclosed
- How it works
- Jupiter CardOptional earn vaultPhantom CardOptional earn vault
- Separate deposit
- Jupiter CardYesPhantom CardYes
- Use balance for spending
- Jupiter CardNoPhantom CardNo
- Lock-up
- Jupiter CardNoPhantom CardNot disclosed
Trust & availability
6 fields- Custody
- Jupiter CardCustodialPhantom CardSelf-custody
- Control until payment
- Jupiter CardProvider controls fundsPhantom CardYou keep control
- Card issuer
- Jupiter CardRain, DCSPhantom CardLead Bank
- Card processing
- Jupiter CardNot disclosedPhantom CardBridge Ventures LLC, Galileo
- Deposits & withdrawals
- Jupiter CardNoahPhantom CardStripe
- Identity verification
- Jupiter CardSumsubPhantom CardLink
Sources
2 fields- Official sources
- Jupiter Card25Phantom Card14
- Last reviewed
- Jupiter CardAug 12, 2026Phantom CardAug 5, 2026
04 · The trade-off
Jupiter Card is the stronger all-round choice
Jupiter Card finishes ahead with an Overall Score of 81 versus 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Jupiter Card has the higher published base cashback rate (2% vs 0%).
Phantom Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Jupiter 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 3). 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 Jupiter Card and Phantom Card reviews first.
Continue with
Jupiter Card
Continue with
Phantom Card
05 · Common questions
Jupiter vs Phantom FAQ
Is Jupiter or Phantom better overall?
Jupiter Card has the higher Overall Score (81 vs 59). 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, Jupiter 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, Jupiter or Phantom?
Jupiter Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Jupiter and Phantom differ on custody?
Jupiter 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 Jupiter vs Phantom comparison?
The latest information check for these two cards was August 12, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.