The Phantom Cash Card is a Visa debit card with no annual fee, available in US (excl NY).
Phantom is a self-custodial multi-chain crypto wallet originally built for Solana and now supporting Ethereum, Polygon, Bitcoin, and others. The company was founded in 2021 by Brandon Millman, Chris Kalani, and Francesco Agosti, is headquartered in San Francisco, and raised a Series C round in 2025 co-led by Sequoia Capital and Paradigm at a reported $3 billion valuation.
The Phantom Cash Card is a crypto debit card offered by Phantom, available in US (excl NY). There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in the US guide.
On $500/mo spend, the estimated monthly cost breakdown for Phantom Cash Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). Phantom Cash Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Now in general availability (no longer early access). Prepaid Visa debit via Lead Bank/Bridge Ventures (Program Manager). Virtual card only (physical not yet available). Apple/Google Pay. On-chain stablecoin-to-fiat conversion. NOT available in NY. Alaska exclusion appears lifted as of mid-2026. No EU/UK timeline announced, global expansion via Stripe planned. Passive rewards on unspent balance coming later 2026.
Other crypto cards in the same region or category that may suit your spending profile:
The Phantom Cash Card is a crypto debit card offered by Phantom. It is available in US (excl NY) and allows users to spend cryptocurrency at merchants worldwide.
The Phantom Cash Card has an annual fee of $0. Additional fees: Conversion fee: 0%.
The Phantom Cash Card is available in US (excl NY). Its availability status is "US".
The Phantom Cash Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Phantom Cash Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Phantom Cash Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.