PhantomPhantom
59
Side-by-side card comparison
Phantom vs Decaf
Decaf Card has the higher Overall Score by 5 points (64 vs 59). Phantom Card looks stronger for Funds control and Transfers, while Decaf Card comes out ahead for Cashback, Travel, and Lowest fees.
Latest check Oct 19, 202635 official sources reviewed
Phantom Card
Best fit
- 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.
- Withdrawing unused account funds through free standard ACH transfers.
Before you choose
- No purchase rewards, physical card or ATM withdrawals are offered.
- New York residents are excluded; international purchase fees remain unknown.
- Funding costs vary by route from 0.3% to 3.5%; wire deposits cost 1%.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsPhantom CardOverall59Decaf CardOverall64
Phantom CardOverall59Decaf CardOverall64Scores
- Overall Score
- Phantom Card59Decaf Card64
- Cashback score
- Phantom Card14Decaf Card29
- Travel score
- Phantom Card25Decaf Card60
- Funds control score
- Phantom Card89Decaf Card63
- Lowest fees score
- Phantom Card44Decaf Card57
- Transfers score
- Phantom Card88Decaf Card70
Costs
- Plan cost
- Phantom CardNot disclosedDecaf Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationDecaf Card1–2%
- Top-up fee
- Phantom Card0.3–3.5%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Phantom Card0%Decaf CardNot disclosed
- ATM fee
- Phantom CardNot availableDecaf Card0% Decaf markup
- Virtual card
- Phantom CardFree virtual cardDecaf Card$5
- Physical card
- Phantom CardNot availableDecaf Card$90 international / $10 US
Plans
- Available plans
- Phantom CardNot disclosedDecaf CardNot disclosed
- Top cashback plan
- Phantom CardNot disclosedDecaf CardNot disclosed
Everyday use
- Network
- Phantom CardVisaDecaf CardVisa
- Card formats
- Phantom CardVirtualDecaf CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableDecaf CardNot disclosed
- Mobile wallets
- Phantom CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidDecaf CardiOS, Android, Web
- 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 historyDecaf CardNot disclosed
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedDecaf CardNot disclosed
- ATM limit
- Phantom CardNot availableDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Phantom CardSolanaDecaf CardSolana, Stellar
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDDecaf CardStablecoins: USDC
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Phantom CardUSDDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Phantom Card0%Decaf CardNot disclosed
- Max cashback
- Phantom Card0%Decaf CardNot disclosed
- Reward currency
- Phantom CardNot applicableDecaf CardNot disclosed
Earn
- Advertised APY
- Phantom CardNot disclosedDecaf CardNot disclosed
- How it works
- Phantom CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Phantom CardYesDecaf CardYes
- Use balance for spending
- Phantom CardNoDecaf CardNot disclosed
- Lock-up
- Phantom CardNot disclosedDecaf CardNot disclosed
Trust & availability
- Custody
- Phantom CardSelf-custodyDecaf CardNon-custodial
- Control until payment
- Phantom CardYou keep controlDecaf CardNot disclosed
- Card issuer
- Phantom CardLead BankDecaf CardThird National, Inc.
- Card processing
- Phantom CardBridge Ventures LLC, Galileo, StripeDecaf CardRain
- Deposits & withdrawals
- Phantom CardStripeDecaf CardMoneyGram
- Identity verification
- Phantom CardLinkDecaf CardNot disclosed
Sources
- Official sources
- Phantom Card14Decaf Card21
- Last reviewed
- Phantom CardOct 17, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Phantom or Decaf
Paying with a physical card
Decaf offers a physical card, while Phantom does not. For purchases that require the card itself rather than a phone wallet, consider Decaf and check its order and delivery terms.
Sending money to a bank
For bank payouts, Phantom has reviewed routes in USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Phantom's reviewed deposit assets include PYUSD, USDG, USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Phantom vs Decaf FAQ
Is Phantom or Decaf better overall?
Decaf Card has the higher Overall Score (64 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, Phantom or Decaf?
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, Phantom or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Phantom and Decaf differ on custody?
Phantom Card uses a self-controlled wallet setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Phantom vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.