PhantomPhantom
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Side-by-side card comparison
Phantom vs Krak: overall score versus use-case fit
Krak Card has the higher Overall Score by 15 points (74 vs 59). Phantom Card looks stronger for Funds control, while Krak Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 27, 202640 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak 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.
OverallPhantom59Krak74Higher score
CashbackPhantom14Krak40Higher score
TravelPhantom25Krak83Higher score
Funds controlPhantom89Krak56Higher score
Lowest feesPhantom44Krak72Higher score
TransfersPhantom88Krak97Higher 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 Krak Card if cashback and travel matter most
Krak 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
- Phantom59Krak74
Krak Card has the higher Overall Score by 15 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXKrak$0 plan · 0–1% 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% cashbackKrak0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletKrakCustodial balance
Phantom Card uses a self-controlled wallet setup, while Krak Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- PhantomVirtual · Apple Pay, Google PayKrakVirtual + Physical · Apple Pay, Google Pay
Krak 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 payoutKrak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
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
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 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 CardOverall59Krak CardOverall74
Phantom CardOverall59Krak CardOverall74Scores
6 fields- Overall Score
- Phantom Card59Krak Card74
- Cashback score
- Phantom Card14Krak Card40
- Travel score
- Phantom Card25Krak Card83
- Funds control score
- Phantom Card89Krak Card56
- Lowest fees score
- Phantom Card44Krak Card72
- Transfers score
- Phantom Card88Krak Card97
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- Phantom CardNot disclosedKrak Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationKrak Card0–1%
- Top-up fee
- Phantom Card0.3–3.5%Krak CardNot disclosed
- Card spending fee
- Phantom Card0%Krak Card0%
- ATM fee
- Phantom CardNot availableKrak Card0% Krak fee; ATM operator may charge
- Virtual card
- Phantom CardFree virtual cardKrak CardFree
- Physical card
- Phantom CardNot availableKrak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- Phantom CardNot disclosedKrak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- Phantom CardNot disclosedKrak CardMax: 2%
Everyday use
8 fields- Network
- Phantom CardVisaKrak CardMastercard/Visa
- Card formats
- Phantom CardVirtualKrak CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableKrak CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayKrak CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidKrak CardiOS, Android
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- Phantom CardNot availableKrak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
Funding & transfers
5 fields- Networks
- Phantom CardSolanaKrak CardNot disclosed
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDKrak CardOther crypto: Supported crypto
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- Phantom CardUSDKrak CardGBP, EUR
Rewards
3 fields- Base cashback
- Phantom Card0%Krak Card0%
- Max cashback
- Phantom Card0%Krak Card2%
- Reward currency
- Phantom CardNot applicableKrak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedKrak CardUp to 3.6% APY
- How it works
- Phantom CardOptional earn vaultKrak CardOptional earn vault
- Separate deposit
- Phantom CardYesKrak CardYes
- Use balance for spending
- Phantom CardNoKrak CardNo
- Lock-up
- Phantom CardNot disclosedKrak CardNot disclosed
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyKrak CardCustodial
- Control until payment
- Phantom CardYou keep controlKrak CardProvider controls funds
- Card issuer
- Phantom CardLead BankKrak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- Phantom CardBridge Ventures LLC, GalileoKrak CardStripe
- Deposits & withdrawals
- Phantom CardStripeKrak CardNot disclosed
- Identity verification
- Phantom CardLinkKrak CardNot disclosed
- Programme operator
- Phantom CardNot disclosedKrak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- Phantom Card14Krak Card26
- Last reviewed
- Phantom CardAug 5, 2026Krak CardAug 27, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 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 uses a self-controlled wallet setup, while Krak Card uses a custodial balance 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 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 Krak Card reviews first.
Continue with
Phantom Card
Continue with
Krak Card
05 · Common questions
Phantom vs Krak FAQ
Is Phantom or Krak better overall?
Krak Card has the higher Overall Score (74 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 Krak?
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 Krak?
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 Krak differ on custody?
Phantom Card uses a self-controlled wallet setup, while Krak Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Phantom vs Krak comparison?
The latest information check for these two cards was August 27, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.