Phantom Cash Card

Phantom Cash Card is a US-only virtual prepaid Visa linked to the self-custodial Phantom Cash account, offering automatic CASH-to-USD conversion, free domestic purchases, and Apple Pay and Google Pay support.

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General

Brand / program: Phantom Cash Card
Card type: Virtual Card
Wallet: Non-custodial
Payment network
Available regions: USA
Supported blockchains: $2,000/day default; up to $5,000

Fees & rewards

Welcome bonus: None
Registration fee: $0
Requirement: US only; identity verification
Cashback: 0%
FX fee: International fees may apply
APR / Yield: No

Access & limits

Need KYC: Yes
Mobile pay: Yes
Bank transfer: Yes
ATM withdrawal limit: Not supported
Daily spending limit: $2,000/day default; up to $5,000

Pros

Why Phantom Cash Card can be a great choice.

Free virtual card issuance.
No Phantom fee for domestic US card purchases.
Direct integration with the Phantom wallet.
CASH balance is represented onchain on Solana.
Free conversion from major supported Solana stablecoins into CASH.
Apple Pay and Google Pay support.
Can be used anywhere Visa is accepted.
Multiple funding methods, including bank transfers, cards and crypto.
Easy transfers between Cash and the wider Phantom ecosystem.
No KYC required for basic onchain Cash functionality.

Cons

Things to consider before applying.

Card availability is currently limited to the US and excludes New York.
No physical card is currently available.
KYC is mandatory to get the debit card.
Debit and credit card funding carries additional fees.
Some crypto conversions carry a 0.85% fee.
International card purchases may have additional fees.
The card spends CASH rather than arbitrary tokens directly from the user's wallet.
No permanent card cashback program is currently advertised.

About Phantom Cash Card

Phantom Cash Card is integrated into the Phantom mobile wallet and allows users to spend funds held in their Cash account. Unlike conventional custodial crypto cards, the underlying Cash account is a self-custodial Solana wallet holding CASH, a USD-pegged stablecoin.

Card payments are funded exclusively from the CASH balance. When a transaction occurs, Phantom's payment partner converts the required CASH into USD to settle the purchase. Users do not need to transfer funds into a separate card balance, although other cryptocurrencies must first be converted into CASH.

Funding and supported assets

Users can fund their Cash account with USDC, USDT, or PYUSD on Solana, which are automatically converted into CASH. Other supported cryptocurrencies can also be swapped into CASH through Phantom.

Eligible US users can additionally deposit funds through linked bank accounts, debit cards, and supported mobile payment methods.

Fees and limits

Virtual card issuance and domestic US purchases are free. International transactions may incur additional fees.

Funding costs depend on the method. Adding money by debit card costs 1.75%, while credit card funding carries a 3.5% fee. Swaps from supported Solana stablecoins into CASH are free, while conversions involving other tokens may incur fees.

The standard daily spending limit is $2,000. Accounts with at least 30 days of age and transaction history may qualify for an increase to $5,000.

Availability and card features

The card is available to eligible US residents outside New York and requires identity verification. It supports online purchases and contactless payments through Apple Pay and Google Pay.

Phantom currently offers no physical card, ATM withdrawals, or card cashback. Users can manage their card, review transactions, set a PIN, and temporarily lock the card directly in the mobile app.

How to get the Phantom Cash Card

Download the Phantom mobile app and create or access your wallet.
Set up your Phantom profile and open the Cash section.
Complete identity verification.
Select the card activation option and accept the terms.
Tap Create Card to issue your virtual card.
Fund your Cash account with supported stablecoins, crypto, or a bank payment method.
Add the card to Apple Pay or Google Pay for contactless purchases.

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Frequently asked questions

Quick answers to common questions about Phantom Cash Card.

Still have a question?

Can I spend any cryptocurrency directly with Phantom Cash Card?

No. The card spends your Phantom Cash balance, which is represented by CASH. You can first convert supported stablecoins or other crypto assets into CASH inside Phantom and then use the balance for card purchases.

Does Phantom Cash Card charge a fee for purchases?

Phantom does not currently charge a fee for card purchases made in the United States. International transactions may carry additional fees, which are displayed before confirmation where applicable.

Is there a physical Phantom Cash Card?

No. Phantom Cash Card is currently virtual-only. It can be used online or added to Apple Pay and Google Pay for contactless payments at physical stores.