BitPay Card vs Phantom Card
The short answer
Winner: Phantom Card — 6.9/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
BitPay Card
KYC
Phantom Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
2%
Free
FX fee
3%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$5k
Monthly limit
Unlimited
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
Free
0.95%
ATM per transaction
$2.4k
Unlimited
Network
mastercard
visa
IBAN
✗
✗
Apple Pay
✗
✓
Google Pay
✗
✓
Countries
1
1
Coins
BTC, ETH, USDC, XRP
SOL, USDC
BitPay Card vs Phantom Card FAQ
On our composite score Phantom Card edges ahead (6.9/10 vs 6.3/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.