PhantomPhantom
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Side-by-side card comparison
Phantom vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 28 points (87 vs 59). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Phantom Card may still be the better personal fit.
Information checked Aug 25, 202633 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Phantom Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallPhantom59ether.fi Cash87Higher score
CashbackPhantom14ether.fi Cash86Higher score
TravelPhantom25ether.fi Cash84Higher score
Funds controlPhantom89ether.fi Cash96Higher score
Lowest feesPhantom44ether.fi Cash69Higher score
TransfersPhantom88ether.fi Cash97Higher score
Choose Phantom Card if its day-to-day setup suits you
Phantom Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Phantom59ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 28 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXether.fi Cash$0 plan · 0–0.2% 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
- Phantom0% cashbackether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- PhantomSelf-controlled walletether.fi CashNon-custodial account
Phantom Card uses a self-controlled wallet setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- PhantomVirtual · Apple Pay, Google Payether.fi CashVirtual + Physical · Apple Pay, Google Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 8).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- Cashback
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsPhantom CardOverall59ether.fi Cash CardOverall87
Phantom CardOverall59ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Phantom Card59ether.fi Cash Card87
- Cashback score
- Phantom Card14ether.fi Cash Card86
- Travel score
- Phantom Card25ether.fi Cash Card84
- Funds control score
- Phantom Card89ether.fi Cash Card96
- Lowest fees score
- Phantom Card44ether.fi Cash Card69
- Transfers score
- Phantom Card88ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google Payether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Phantom CardNot disclosedether.fi Cash Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationether.fi Cash Card0–0.2%
- Top-up fee
- Phantom Card0.3–3.5%ether.fi Cash CardNot disclosed
- Card spending fee
- Phantom Card0%ether.fi Cash CardNot disclosed
- ATM fee
- Phantom CardNot availableether.fi Cash Card2%
- Virtual card
- Phantom CardFree virtual cardether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Phantom CardNot availableether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Phantom CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Phantom CardNot disclosedether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Phantom CardVisaether.fi Cash CardVisa
- Card formats
- Phantom CardVirtualether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableether.fi Cash CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, Androidether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Phantom CardNot availableether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Phantom CardSolanaether.fi Cash CardOptimism
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Phantom CardUSDether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Phantom Card0%ether.fi Cash Card3%
- Max cashback
- Phantom Card0%ether.fi Cash Card3%
- Reward currency
- Phantom CardNot applicableether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedether.fi Cash CardUp to 5.02% APY
- How it works
- Phantom CardOptional earn vaultether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Phantom CardYesether.fi Cash CardNot disclosed
- Use balance for spending
- Phantom CardNoether.fi Cash CardNot disclosed
- Lock-up
- Phantom CardNot disclosedether.fi Cash CardNot disclosed
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyether.fi Cash CardNon-custodial
- Control until payment
- Phantom CardYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Phantom CardLead Bankether.fi Cash CardThird National
- Card processing
- Phantom CardBridge Ventures LLC, Galileoether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Phantom CardStripeether.fi Cash CardSEPA third-party provider
- Identity verification
- Phantom CardLinkether.fi Cash CardNot disclosed
- Programme operator
- Phantom CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Phantom Card14ether.fi Cash Card19
- Last reviewed
- Phantom CardAug 5, 2026ether.fi Cash CardAug 25, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 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. ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Phantom Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Phantom Card uses a self-controlled wallet setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 8). 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 Phantom Card and ether.fi Cash Card reviews first.
Continue with
Phantom Card
Continue with
ether.fi Cash Card
05 · Common questions
Phantom vs ether.fi Cash FAQ
Is Phantom or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 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 ether.fi Cash?
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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Phantom and ether.fi Cash differ on custody?
Phantom Card uses a self-controlled wallet setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.