PhantomPhantom
59
Side-by-side card comparison
Phantom vs Solayer Pay: overall score versus use-case fit
Phantom Card has the higher Overall Score by 4 points (59 vs 55). Phantom Card looks stronger for Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Cashback and Travel.
Information checked Aug 12, 202639 official sources reviewed
01 · Overall score versus use-case fit
Phantom Card is the better all-round starting point
Phantom Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Cashback and Travel. 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.
OverallPhantom59Solayer Pay55Higher score
CashbackPhantom14Solayer Pay20Higher score
TravelPhantom25Solayer Pay53Higher score
Funds controlPhantom89Solayer Pay47Higher score
Lowest feesPhantom44Solayer Pay43Higher score
TransfersPhantom88Solayer Pay29Higher score
Choose Phantom Card if funds control and lowest fees matter most
Phantom Card comes out ahead for 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.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Choose Solayer Pay Card if cashback and travel matter most
Solayer Pay Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Phantom59Solayer Pay55
Phantom Card has the higher Overall Score by 4 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack 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% cashbackSolayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletSolayer PayCustodial balance
Phantom Card uses a self-controlled wallet setup, while Solayer Pay 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 PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay 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 payoutSolayer Pay1 stablecoin · Not modeled
Phantom Card lists more stablecoins and ways to send money out (8 vs 1).
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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 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 CardOverall59Solayer Pay CardOverall55
Phantom CardOverall59Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Phantom Card59Solayer Pay Card55
- Cashback score
- Phantom Card14Solayer Pay Card20
- Travel score
- Phantom Card25Solayer Pay Card53
- Funds control score
- Phantom Card89Solayer Pay Card47
- Lowest fees score
- Phantom Card44Solayer Pay Card43
- Transfers score
- Phantom Card88Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PaySolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Phantom CardNot disclosedSolayer Pay Card$20/year
- FX fee
- Phantom CardMay apply; shown before confirmationSolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Phantom Card0.3–3.5%Solayer Pay Card1%
- Card spending fee
- Phantom Card0%Solayer Pay Card$0.15
- ATM fee
- Phantom CardNot availableSolayer Pay CardNot disclosed
- Virtual card
- Phantom CardFree virtual cardSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Phantom CardNot availableSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Phantom CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Phantom CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Phantom CardVisaSolayer Pay CardVisa
- Card formats
- Phantom CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableSolayer Pay CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestSolayer Pay CardShown in app
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedSolayer Pay CardShown in app
- ATM limit
- Phantom CardNot availableSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Phantom CardSolanaSolayer Pay CardSolana
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireSolayer Pay CardNot disclosed
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutSolayer Pay CardNot disclosed
- Payout currencies
- Phantom CardUSDSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Phantom Card0%Solayer Pay Card0%
- Max cashback
- Phantom Card0%Solayer Pay CardNot disclosed
- Reward currency
- Phantom CardNot applicableSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedSolayer Pay CardUp to 3.5% APY
- How it works
- Phantom CardOptional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Phantom CardYesSolayer Pay CardNo
- Use balance for spending
- Phantom CardNoSolayer Pay CardYes
- Lock-up
- Phantom CardNot disclosedSolayer Pay CardNo
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Phantom CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Phantom CardLead BankSolayer Pay CardThird National
- Card processing
- Phantom CardBridge Ventures LLC, GalileoSolayer Pay CardNot disclosed
- Deposits & withdrawals
- Phantom CardStripeSolayer Pay CardNot disclosed
- Identity verification
- Phantom CardLinkSolayer Pay CardSumsub
- Programme operator
- Phantom CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Phantom Card14Solayer Pay Card25
- Last reviewed
- Phantom CardAug 5, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Phantom Card is the stronger all-round choice
Phantom Card finishes ahead with an Overall Score of 59 versus 55 for Solayer Pay 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%.
Solayer Pay Card still comes out ahead for Cashback and Travel, 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 Solayer Pay 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 1). 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 Solayer Pay Card reviews first.
Continue with
Phantom Card
Continue with
Solayer Pay Card
05 · Common questions
Phantom vs Solayer Pay FAQ
Is Phantom or Solayer Pay better overall?
Phantom Card has the higher Overall Score (59 vs 55). 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 Solayer Pay?
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 Solayer Pay?
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 Solayer Pay differ on custody?
Phantom Card uses a self-controlled wallet setup, while Solayer Pay 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 Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.