Cryptopay Card vs Phantom Card

The short answer

Winner: Phantom Card — 6.9/10 versus 4.6/10. It leads on the blend of fees, trust, and community sentiment.

Updated July 2026

Cryptopay Card logo
Cryptopay Card
KYC
Phantom Card logo
Phantom Card
Email only
Score
Annual fee
Free
Free
Monthly fee
$1
Free
Cashback
0%
0%
ATM fee
2.5%
Free
FX fee
3%
Free
Per transaction
Unlimited
Unlimited
Daily limit
$30k
$5k
Monthly limit
Unlimited
Unlimited
KYC
KYC
Email only
Card type
Prepaid
Debit
Custody
Custodial
Non-custodial
Conversion fee
1.95%
0.95%
ATM per transaction
$200
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✗
✓
Google Pay
✗
✓
Countries
17
1
Coins
BTC, ETH, MATIC, USDC, USDT, XRP
SOL, USDC
Get Cryptopay Card
Get Phantom Card

Cryptopay Card vs Phantom Card FAQ

On our composite score Phantom Card edges ahead (6.9/10 vs 4.6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.