PhantomPhantom
59
Side-by-side card comparison
Phantom vs Solid: overall score versus use-case fit
Solid Card has the higher Overall Score by 30 points (89 vs 59). Phantom Card looks stronger for Transfers, while Solid Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees.
Information checked Aug 25, 202634 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Phantom Card may be the better fit for Transfers. 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.
OverallPhantom59Solid89Higher score
CashbackPhantom14Solid91Higher score
TravelPhantom25Solid62Higher score
Funds controlPhantom89Solid97Higher score
Lowest feesPhantom44Solid89Higher score
TransfersPhantom88Solid83Higher score
Choose Phantom Card if transfers matters most
Phantom Card comes out ahead for 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 Solid Card if cashback and travel matter most
Solid Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Savings can stay productive while spending
- Up to 50% on eligible AI subscriptions
- Eligible ACH/wire receive details
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
- Phantom59Solid89
Solid Card has the higher Overall Score by 30 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXSolid$0 plan · 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% cashbackSolid3% base · up to 5%
Solid Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- PhantomSelf-controlled walletSolidSelf-controlled wallet
Phantom Card and Solid Card use the same self-controlled wallet setup.
- Everyday access
- PhantomVirtual · Apple Pay, Google PaySolidVirtual · 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 payoutSolid3 stablecoins · Stablecoin transfers
Phantom Card lists more stablecoins and ways to send money out (8 vs 4).
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
- 3%-5%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 9 crypto · 1 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Phantom Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Solid Card
Get $15
$15 new-user bonus after qualifying card spend
- Activate the Solid Card.
- Complete $75 of card spend.
Solid Card promo code15QRE
Solid may change or end the referral programme; check the current Rewards Terms before signing up.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 CardOverall59Solid CardOverall89
Phantom CardOverall59Solid CardOverall89Scores
6 fields- Overall Score
- Phantom Card59Solid Card89
- Cashback score
- Phantom Card14Solid Card91
- Travel score
- Phantom Card25Solid Card62
- Funds control score
- Phantom Card89Solid Card97
- Lowest fees score
- Phantom Card44Solid Card89
- Transfers score
- Phantom Card88Solid Card83
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PaySolid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptions
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- Phantom CardNot disclosedSolid Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationSolid Card1%
- Top-up fee
- Phantom Card0.3–3.5%Solid Card0%
- Card spending fee
- Phantom Card0%Solid Card0%
- ATM fee
- Phantom CardNot availableSolid CardNot available
- Virtual card
- Phantom CardFree virtual cardSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- Phantom CardNot availableSolid CardPhysical card not listed
Plans
2 fields- Available plans
- Phantom CardNot disclosedSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- Phantom CardNot disclosedSolid CardUltra: 5%
Everyday use
8 fields- Network
- Phantom CardVisaSolid CardVisa
- Card formats
- Phantom CardVirtualSolid CardVirtual
- ATM withdrawals
- Phantom CardNot availableSolid CardNot available
- Mobile wallets
- Phantom CardApple Pay, Google PaySolid CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidSolid CardiOS, Android, Web
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestSolid CardShown in app
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedSolid CardShown in app
- ATM limit
- Phantom CardNot availableSolid CardNot disclosed
Funding & transfers
5 fields- Networks
- Phantom CardSolanaSolid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireSolid CardUSD virtual account
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutSolid CardStablecoin transfers
- Payout currencies
- Phantom CardUSDSolid CardNot disclosed
Rewards
3 fields- Base cashback
- Phantom Card0%Solid Card3%
- Max cashback
- Phantom Card0%Solid Card5%
- Reward currency
- Phantom CardNot applicableSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedSolid CardUp to 14% APY
- How it works
- Phantom CardOptional earn vaultSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- Phantom CardYesSolid CardYes
- Use balance for spending
- Phantom CardNoSolid CardNo
- Lock-up
- Phantom CardNot disclosedSolid CardNot disclosed
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodySolid CardSelf-custody
- Control until payment
- Phantom CardYou keep controlSolid CardYou keep control
- Card issuer
- Phantom CardLead BankSolid CardRain, Third National
- Card processing
- Phantom CardBridge Ventures LLC, GalileoSolid CardFuse Network Ltd
- Deposits & withdrawals
- Phantom CardStripeSolid CardNot disclosed
- Identity verification
- Phantom CardLinkSolid CardNot disclosed
- Programme operator
- Phantom CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- Phantom Card14Solid Card20
- Last reviewed
- Phantom CardAug 5, 2026Solid CardAug 25, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 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. Solid Card has the higher published base cashback rate (3% vs 0%).
Phantom Card still comes out ahead for Transfers, which may matter more than the overall result if that is how you plan to use the card. Phantom Card and Solid Card use the same self-controlled wallet setup.
Phantom Card lists more stablecoins and ways to send money out (8 vs 4). 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 Solid Card reviews first.
Continue with
Phantom Card
Continue with
Solid Card
05 · Common questions
Phantom vs Solid FAQ
Is Phantom or Solid better overall?
Solid Card has the higher Overall Score (89 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 Solid?
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 Solid?
Solid 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 Solid differ on custody?
Phantom Card and Solid Card use the same self-controlled wallet setup.
How current is this Phantom vs Solid comparison?
The latest information check for these two cards was August 25, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.