PhantomPhantom
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Side-by-side card comparison
Phantom vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 18 points (77 vs 59). Phantom Card looks stronger for Funds control, while ZEN Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 23, 202657 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN 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.
OverallPhantom59ZEN77Higher score
CashbackPhantom14ZEN39Higher score
TravelPhantom25ZEN96Higher score
Funds controlPhantom89ZEN65Higher score
Lowest feesPhantom44ZEN80Higher score
TransfersPhantom88ZEN98Higher 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 ZEN Card if cashback and travel matter most
ZEN 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.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route 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
- Phantom59ZEN77
ZEN Card has the higher Overall Score by 18 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXZEN$0 plan · 0–0.5% 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% cashbackZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- PhantomSelf-controlled walletZENCustodial balance
Phantom Card uses a self-controlled wallet setup, while ZEN 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 PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN 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 payoutZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Phantom Card lists more stablecoins and ways to send money out (8 vs 5).
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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 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 CardOverall59ZEN CardOverall77
Phantom CardOverall59ZEN CardOverall77Scores
6 fields- Overall Score
- Phantom Card59ZEN Card77
- Cashback score
- Phantom Card14ZEN Card39
- Travel score
- Phantom Card25ZEN Card96
- Funds control score
- Phantom Card89ZEN Card65
- Lowest fees score
- Phantom Card44ZEN Card80
- Transfers score
- Phantom Card88ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Phantom CardNot disclosedZEN Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationZEN Card0–0.5%
- Top-up fee
- Phantom Card0.3–3.5%ZEN Card0–3%
- Card spending fee
- Phantom Card0%ZEN Card0%
- ATM fee
- Phantom CardNot availableZEN Card0–1.5%
- Virtual card
- Phantom CardFree virtual cardZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Phantom CardNot availableZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Phantom CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Phantom CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Phantom CardVisaZEN CardMastercard/Visa
- Card formats
- Phantom CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableZEN CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Phantom CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedZEN CardNot publicly confirmed
- ATM limit
- Phantom CardNot availableZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Phantom CardSolanaZEN CardNot disclosed
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Phantom CardUSDZEN CardEUR
Rewards
3 fields- Base cashback
- Phantom Card0%ZEN Card0%
- Max cashback
- Phantom Card0%ZEN CardNot disclosed
- Reward currency
- Phantom CardNot applicableZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedZEN CardNot offered
- How it works
- Phantom CardOptional earn vaultZEN CardNot offered
- Separate deposit
- Phantom CardYesZEN CardNot offered
- Use balance for spending
- Phantom CardNoZEN CardNot offered
- Lock-up
- Phantom CardNot disclosedZEN CardNot offered
Trust & availability
6 fields- Custody
- Phantom CardSelf-custodyZEN CardCustodial
- Control until payment
- Phantom CardYou keep controlZEN CardProvider controls funds
- Card issuer
- Phantom CardLead BankZEN CardUAB ZEN.COM
- Card processing
- Phantom CardBridge Ventures LLC, GalileoZEN CardNot disclosed
- Deposits & withdrawals
- Phantom CardStripeZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Identity verification
- Phantom CardLinkZEN CardNot disclosed
Sources
2 fields- Official sources
- Phantom Card14ZEN Card43
- Last reviewed
- Phantom CardAug 5, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 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 ZEN 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 5). 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 ZEN Card reviews first.
Continue with
Phantom Card
Continue with
ZEN Card
05 · Common questions
Phantom vs ZEN FAQ
Is Phantom or ZEN better overall?
ZEN Card has the higher Overall Score (77 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 ZEN?
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 ZEN?
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 ZEN differ on custody?
Phantom Card uses a self-controlled wallet setup, while ZEN 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 ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.