PhantomPhantom
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Side-by-side card comparison
Phantom vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 11 points (70 vs 59). Phantom Card looks stronger for Funds control and Transfers, while Uphold Card US comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Oct 14, 202627 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Phantom Card may be the better fit for Funds control and 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.
OverallPhantom59Uphold US70Higher score
CashbackPhantom14Uphold US75Higher score
TravelPhantom25Uphold US71Higher score
Funds controlPhantom89Uphold US44Higher score
Lowest feesPhantom44Uphold US56Higher score
TransfersPhantom88Uphold US65Higher score
Choose Phantom Card if funds control and transfers matter most
Phantom Card comes out ahead for Funds control 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 Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback, Travel, 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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
- Phantom59Uphold US70
Uphold Card US has the higher Overall Score by 11 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXUphold US$0 plan · 0–1.5% 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% cashbackUphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0%).
- Funds control
- PhantomSelf-controlled walletUphold USCustodial balance
Phantom Card uses a self-controlled wallet setup, while Uphold Card US 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 PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutUphold US0 stablecoins · US bank withdrawal
Phantom Card lists more stablecoins and ways to send money out (8 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 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 CardOverall59Uphold Card USOverall70
Phantom CardOverall59Uphold Card USOverall70Scores
6 fields- Overall Score
- Phantom Card59Uphold Card US70
- Cashback score
- Phantom Card14Uphold Card US75
- Travel score
- Phantom Card25Uphold Card US71
- Funds control score
- Phantom Card89Uphold Card US44
- Lowest fees score
- Phantom Card44Uphold Card US56
- Transfers score
- Phantom Card88Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Phantom CardNot disclosedUphold Card US$0
- FX fee
- Phantom CardMay apply; shown before confirmationUphold Card US0–1.5%
- Top-up fee
- Phantom Card0.3–3.5%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Phantom Card0%Uphold Card USNot disclosed
- ATM fee
- Phantom CardNot availableUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Phantom CardFree virtual cardUphold Card USFree on both plans
- Physical card
- Phantom CardNot availableUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Phantom CardNot disclosedUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Phantom CardNot disclosedUphold Card USElite: 3%
Everyday use
8 fields- Network
- Phantom CardVisaUphold Card USVisa
- Card formats
- Phantom CardVirtualUphold Card USVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableUphold Card USAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Phantom Card$2,000 standard daily limit; eligibility for up to $5,000/day is assessed automatically after 30 days and transaction historyUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Phantom CardNot availableUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Phantom CardSolanaUphold Card USNot disclosed
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDUphold Card USNot disclosed
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutUphold Card USUS bank withdrawal
- Payout currencies
- Phantom CardUSDUphold Card USUSD
Rewards
3 fields- Base cashback
- Phantom Card0%Uphold Card US2%
- Max cashback
- Phantom Card0%Uphold Card US4%
- Reward currency
- Phantom CardNot applicableUphold Card USXRP
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedUphold Card USNot offered
- How it works
- Phantom CardOptional earn vaultUphold Card USNot offered
- Separate deposit
- Phantom CardYesUphold Card USNot offered
- Use balance for spending
- Phantom CardNoUphold Card USNot offered
- Lock-up
- Phantom CardNot disclosedUphold Card USNot offered
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyUphold Card USCustodial
- Control until payment
- Phantom CardYou keep controlUphold Card USProvider controls funds
- Card issuer
- Phantom CardLead BankUphold Card USCross River Bank
- Card processing
- Phantom CardBridge Ventures LLC, Galileo, StripeUphold Card USNot disclosed
- Custody / key management
- Phantom CardNot disclosedUphold Card USUphold HQ Inc.
- Deposits & withdrawals
- Phantom CardStripeUphold Card USNot disclosed
- Identity verification
- Phantom CardLinkUphold Card USNot disclosed
Sources
2 fields- Official sources
- Phantom Card14Uphold Card US13
- Last reviewed
- Phantom CardOct 14, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 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. Uphold Card US has the higher published base cashback rate (2% vs 0%).
Phantom Card still comes out ahead for Funds control and Transfers, 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 Uphold Card US 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 2). 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 Uphold Card US reviews first.
Continue with
Phantom Card
Continue with
Uphold Card US
05 · Common questions
Phantom vs Uphold US FAQ
Is Phantom or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 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 Uphold US?
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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% 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 Uphold US differ on custody?
Phantom Card uses a self-controlled wallet setup, while Uphold Card US 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 Uphold US comparison?
The latest information check for these two cards was October 14, 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.