Fold Card vs Phantom Card
The short answer
Winner: Phantom Card — 6.9/10 versus 6.8/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Fold Card
KYC
Phantom Card
Email only
Score
Annual fee
$149
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
Free
Free
FX fee
3%
Free
Per transaction
$15k
Unlimited
Daily limit
$15k
$5k
Monthly limit
$50k
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
1.5%
0.95%
ATM per transaction
$400
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✗
✓
Countries
1
1
Coins
BTC
SOL, USDC
Fold Card vs Phantom Card FAQ
On our composite score Phantom Card edges ahead (6.9/10 vs 6.8/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.