PhantomPhantom
59
Side-by-side card comparison
Phantom vs 1inch: overall score versus use-case fit
1inch Card has the higher Overall Score by 20 points (79 vs 59). Phantom Card looks stronger for Funds control, while 1inch Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 31, 202627 official sources reviewed
01 · Overall score versus use-case fit
1inch Card is the better all-round starting point
1inch 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.
OverallPhantom591inch79Higher score
CashbackPhantom141inch63Higher score
TravelPhantom251inch82Higher score
Funds controlPhantom891inch80Higher score
Lowest feesPhantom441inch74Higher score
TransfersPhantom881inch93Higher 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 1inch Card if cashback and travel matter most
1inch 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.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
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
- Phantom591inch79
1inch Card has the higher Overall Score by 20 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies 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% cashback1inch1% base · up to 2%
1inch Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- PhantomSelf-controlled wallet1inchHybrid custody
Phantom Card uses a self-controlled wallet setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- PhantomVirtual · Apple Pay, Google Pay1inchVirtual + Physical · Apple Pay, Google Pay
1inch 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 payout1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
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
- 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 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 CardOverall591inch CardOverall79
Phantom CardOverall591inch CardOverall79Scores
6 fields- Overall Score
- Phantom Card591inch Card79
- Cashback score
- Phantom Card141inch Card63
- Travel score
- Phantom Card251inch Card82
- Funds control score
- Phantom Card891inch Card80
- Lowest fees score
- Phantom Card441inch Card74
- Transfers score
- Phantom Card881inch Card93
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google Pay1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclear1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- Phantom CardNot disclosed1inch Card$0
- FX fee
- Phantom CardMay apply; shown before confirmation1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- Phantom Card0.3–3.5%1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- Phantom Card0%1inch Card2%
- ATM fee
- Phantom CardNot available1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- Phantom CardFree virtual card1inch CardNot disclosed
- Physical card
- Phantom CardNot available1inch CardNot disclosed
Plans
2 fields- Available plans
- Phantom CardNot disclosed1inch CardNot disclosed
- Top cashback plan
- Phantom CardNot disclosed1inch CardNot disclosed
Everyday use
8 fields- Network
- Phantom CardVisa1inch CardMastercard
- Card formats
- Phantom CardVirtual1inch CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot available1inch CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google Pay1inch CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, Android1inch CardiOS, Android
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support request1inch CardAccount-specific in Profile
- Monthly spending limit
- Phantom CardMonthly card-spend limit not published1inch CardAccount-specific in Profile
- ATM limit
- Phantom CardNot available1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- Phantom CardSolana1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSD1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire1inch CardEUR or GBP bank deposit
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- Phantom CardUSD1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- Phantom Card0%1inch Card1%
- Max cashback
- Phantom Card0%1inch Card2%
- Reward currency
- Phantom CardNot applicable1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- Phantom CardNot disclosed1inch CardNot offered
- How it works
- Phantom CardOptional earn vault1inch CardNot offered
- Separate deposit
- Phantom CardYes1inch CardNot offered
- Use balance for spending
- Phantom CardNo1inch CardNot offered
- Lock-up
- Phantom CardNot disclosed1inch CardNot offered
Trust & availability
7 fields- Custody
- Phantom CardSelf-custody1inch CardHybrid custody
- Control until payment
- Phantom CardYou keep control1inch CardProvider controls funds
- Card issuer
- Phantom CardLead Bank1inch CardMonavate Ltd, UAB Monavate
- Card processing
- Phantom CardBridge Ventures LLC, Galileo1inch CardCrypto Life
- Custody / key management
- Phantom CardNot disclosed1inch CardBaanx
- Deposits & withdrawals
- Phantom CardStripe1inch CardNot disclosed
- Identity verification
- Phantom CardLink1inch CardNot disclosed
Sources
2 fields- Official sources
- Phantom Card141inch Card13
- Last reviewed
- Phantom CardAug 5, 20261inch CardAug 31, 2026
04 · The trade-off
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 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. 1inch Card has the higher published base cashback rate (1% vs 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 1inch Card uses a hybrid custody 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 Phantom Card and 1inch Card reviews first.
Continue with
Phantom Card
Continue with
1inch Card
05 · Common questions
Phantom vs 1inch FAQ
Is Phantom or 1inch better overall?
1inch Card has the higher Overall Score (79 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 1inch?
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 1inch?
1inch Card has the higher published base cashback rate (1% 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 1inch differ on custody?
Phantom Card uses a self-controlled wallet setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Phantom vs 1inch comparison?
The latest information check for these two cards was August 31, 2026, using 27 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.