PhantomPhantom
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Side-by-side card comparison
Phantom vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 11 points (70 vs 59). Phantom Card looks stronger for Funds control, while Xapo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202635 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo 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.
OverallPhantom59Xapo70Higher score
CashbackPhantom14Xapo24Higher score
TravelPhantom25Xapo91Higher score
Funds controlPhantom89Xapo63Higher score
Lowest feesPhantom44Xapo77Higher score
TransfersPhantom88Xapo100Higher 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 Xapo Card if cashback and travel matter most
Xapo 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 Xapo FX markup
- Account-backed bank and crypto rails
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
- Phantom59Xapo70
Xapo Card has the higher Overall Score by 11 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXXapo$1,000/year plan · 0–0.29% 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% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletXapoCustodial balance
Phantom Card uses a self-controlled wallet setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
Phantom Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Both cards list the same number of stablecoins and ways to send money out.
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall59Xapo CardOverall70
Phantom CardOverall59Xapo CardOverall70Scores
6 fields- Overall Score
- Phantom Card59Xapo Card70
- Cashback score
- Phantom Card14Xapo Card24
- Travel score
- Phantom Card25Xapo Card91
- Funds control score
- Phantom Card89Xapo Card63
- Lowest fees score
- Phantom Card44Xapo Card77
- Transfers score
- Phantom Card88Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Phantom CardNot disclosedXapo Card$1,000/year
- FX fee
- Phantom CardMay apply; shown before confirmationXapo Card0–0.29%
- Top-up fee
- Phantom Card0.3–3.5%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Phantom Card0%Xapo Card0%
- ATM fee
- Phantom CardNot availableXapo Card0–2%
- Virtual card
- Phantom CardFree virtual cardXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Phantom CardNot availableXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Phantom CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Phantom CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Phantom CardVisaXapo CardVisa/Mastercard
- Card formats
- Phantom CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableXapo CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Phantom CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Phantom CardNot availableXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Phantom CardSolanaXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Phantom CardUSDXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Phantom Card0%Xapo Card0%
- Max cashback
- Phantom Card0%Xapo Card3%
- Reward currency
- Phantom CardNot applicableXapo CardBTC
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedXapo CardUp to 3.35% APY
- How it works
- Phantom CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- Phantom CardYesXapo CardNo
- Use balance for spending
- Phantom CardNoXapo CardYes
- Lock-up
- Phantom CardNot disclosedXapo CardNo
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyXapo CardCustodial
- Control until payment
- Phantom CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Phantom CardLead BankXapo CardTransact Payments Malta Limited
- Card processing
- Phantom CardBridge Ventures LLC, GalileoXapo CardNot disclosed
- Deposits & withdrawals
- Phantom CardStripeXapo CardNot disclosed
- Bank transfers
- Phantom CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Phantom CardLinkXapo CardNot disclosed
Sources
2 fields- Official sources
- Phantom Card14Xapo Card21
- Last reviewed
- Phantom CardAug 5, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card 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. 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Xapo Card reviews first.
Continue with
Phantom Card
Continue with
Xapo Card
05 · Common questions
Phantom vs Xapo FAQ
Is Phantom or Xapo better overall?
Xapo Card 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 Xapo?
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 Xapo?
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 Xapo differ on custody?
Phantom Card uses a self-controlled wallet setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.