PhantomPhantom
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Side-by-side card comparison
Phantom vs Exa: overall score versus use-case fit
Exa Card has the higher Overall Score by 7 points (66 vs 59). Phantom Card looks stronger for Funds control, while Exa Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202645 official sources reviewed
01 · Overall score versus use-case fit
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Phantom Card may be the better fit for Funds control. 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.
OverallPhantom59Exa66Higher score
CashbackPhantom14Exa19Higher score
TravelPhantom25Exa61Higher score
Funds controlPhantom89Exa88Higher score
Lowest feesPhantom44Exa67Higher score
TransfersPhantom88Exa97Higher score
Choose Phantom Card if funds control matters most
Phantom Card comes out ahead for Funds control 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
Choose Exa Card if cashback and travel matter most
Exa Card comes out ahead for Cashback, Travel, 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
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
- Phantom59Exa66
Exa Card has the higher Overall Score by 7 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXExa$0 plan · 1.5% 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% cashbackExa0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletExaSelf-controlled wallet
Phantom Card and Exa Card use the same self-controlled wallet setup.
- Everyday access
- PhantomVirtual · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Phantom Card lists more stablecoins and ways to send money out (8 vs 5).
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%
- 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
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 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
CardsPhantom CardOverall59Exa CardOverall66
Phantom CardOverall59Exa CardOverall66Scores
6 fields- Overall Score
- Phantom Card59Exa Card66
- Cashback score
- Phantom Card14Exa Card19
- Travel score
- Phantom Card25Exa Card61
- Funds control score
- Phantom Card89Exa Card88
- Lowest fees score
- Phantom Card44Exa Card67
- Transfers score
- Phantom Card88Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Phantom CardNot disclosedExa Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationExa Card1.5%
- Top-up fee
- Phantom Card0.3–3.5%Exa Card1%
- Card spending fee
- Phantom Card0%Exa CardNot disclosed
- ATM fee
- Phantom CardNot availableExa Card$1 + 0.65%
- Virtual card
- Phantom CardFree virtual cardExa CardFree with Exa Wallet
- Physical card
- Phantom CardNot availableExa CardNot available
Plans
2 fields- Available plans
- Phantom CardNot disclosedExa CardNot disclosed
- Top cashback plan
- Phantom CardNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Phantom CardVisaExa CardVisa
- Card formats
- Phantom CardVirtualExa CardVirtual
- ATM withdrawals
- Phantom CardNot availableExa CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Phantom CardNot availableExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Phantom CardSolanaExa CardOptimism
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Phantom CardUSDExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Phantom Card0%Exa Card0%
- Max cashback
- Phantom Card0%Exa Card0%
- Reward currency
- Phantom CardNot applicableExa CardNo cashback
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedExa CardUp to 0.99776% APY
- How it works
- Phantom CardOptional earn vaultExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Phantom CardYesExa CardNo
- Use balance for spending
- Phantom CardNoExa CardYes
- Lock-up
- Phantom CardNot disclosedExa CardNo
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyExa CardSelf-custody
- Control until payment
- Phantom CardYou keep controlExa CardYou keep control
- Card issuer
- Phantom CardLead BankExa CardThird National Bank, Third National
- Card processing
- Phantom CardBridge Ventures LLC, GalileoExa CardExa Labs SAS
- Deposits & withdrawals
- Phantom CardStripeExa CardBridge, Manteca
- Identity verification
- Phantom CardLinkExa CardNot disclosed
- Programme operator
- Phantom CardNot disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- Phantom Card14Exa Card31
- Last reviewed
- Phantom CardAug 5, 2026Exa CardAug 23, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 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. Both cards show the same base cashback rate of 0%.
Phantom Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Phantom Card and Exa Card use the same self-controlled wallet setup.
Phantom Card lists more stablecoins and ways to send money out (8 vs 5). 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 Exa Card reviews first.
Continue with
Phantom Card
Continue with
Exa Card
05 · Common questions
Phantom vs Exa FAQ
Is Phantom or Exa better overall?
Exa Card has the higher Overall Score (66 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 Exa?
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 Exa?
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 Phantom and Exa differ on custody?
Phantom Card and Exa Card use the same self-controlled wallet setup.
How current is this Phantom vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.