Crypto.com Visa vs Phantom Card
The short answer
Winner: Crypto.com Visa — 7.8/10 versus 6.9/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Crypto.com Visa
KYC
Phantom Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
5%
0%
ATM fee
2%
Free
FX fee
2%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$25k
$5k
Monthly limit
$25k
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
0.75%
0.95%
ATM per transaction
$800
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
24
1
Coins
BNB, BTC, ETH, USDC, USDT, XRP
SOL, USDC
Crypto.com Visa vs Phantom Card FAQ
On our composite score Crypto.com Visa edges ahead (7.8/10 vs 6.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.