Bitsa Card vs Phantom Card
The short answer
Winner: Bitsa Card — 7.1/10 versus 6.9/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Bitsa Card
No KYC
Phantom Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
1%
Free
FX fee
2%
Free
Per transaction
$1.5k
Unlimited
Daily limit
$500
$5k
Monthly limit
$1k
Unlimited
KYC
No KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
3%
0.95%
ATM per transaction
Unlimited
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✗
✓
Google Pay
✗
✓
Countries
21
1
Coins
BTC, ETH
SOL, USDC
Bitsa Card vs Phantom Card FAQ
On our composite score Bitsa Card edges ahead (7.1/10 vs 6.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.