Image: Phantom
Phantom Cash Card review: fees, cashback and limits
A free virtual Visa debit card in the Phantom wallet that spends its CASH dollar stablecoin.
Quick answer
Phantom Cash adds a free virtual Visa debit card to the Phantom wallet that spends CASH, a USD stablecoin on Solana. It's for US residents only, except New York. US purchases are free, and Phantom shows any fee on international purchases before you confirm. There's no physical card, no ATM access and no cashback. Swapping USDC into Cash is free, other tokens cost 0.85%, and funding by debit card costs 1.75%.
Phantom Cash at a glance
| Best for | Phantom wallet users in the US who want to spend stablecoins with Apple Pay or Google Pay. |
|---|---|
| Skip it if | You live outside the US, need cash from ATMs or want rewards. |
| Network | Visa |
| Card issuer | Prepaid card program moving from Bridge to Stripe in October 2026 |
| Custody | Cash account in the Phantom app. Phantom itself is a self-custody wallet. |
| Card type | Prepaid debit |
| Virtual or physical | Virtual only |
| Cashback | No cashback |
| Annual fee | None listed |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | United States only, except New York. Phantom hasn't given a timeline for other regions. |
Phantom Cash fees
| Card cost | Virtual card free |
|---|---|
| Annual or membership fee | None listed |
| FX and cross-border | Domestic US purchases free. International purchases may carry a fee, shown before you confirm. |
| Crypto conversion | Free from USDC, USDT, USDG or PYUSD on Solana into Cash. 0.85% for other tokens. |
| ATM withdrawals | Not available |
| Other fees | Add Cash with a debit card: 1.75%. Credit card: 3.5%. |
| Direct deposit from a US bank: 0.3%. Domestic wire: 1%. | |
| Withdraw by standard ACH: free. Fast ACH: $1 plus 0.75%, minimum $1.50. |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Phantom Cash app for your country before you load money. To see what Phantom Cash would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Phantom Cash
These are Phantom Cash's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #19 of 20 in United States
Cashback and rewards
- The current card program pays no purchase rewards
Deposits and withdrawals
How to top up
- Swap USDC, USDT, USDG or PYUSD on Solana into Cash for free
- Debit or credit card through Stripe, including Apple Pay and Google Pay
- Direct deposit or domestic wire from a US bank
Fees: Stablecoin swaps free, other tokens 0.85%, debit card 1.75%, credit card 3.5%, direct deposit 0.3%, wire 1%.
How to withdraw
- Send CASH to a Phantom username or any Solana wallet
- Standard or fast ACH to a US bank
Fees: Standard ACH free. Fast ACH $1 plus 0.75%. Solana setup cost for wallets that have never held CASH.
Supported assets: CASH, a USD stablecoin on Solana. USDC, USDT, USDG, PYUSD and other Solana tokens can be swapped in.
Where Phantom Cash works
United States only, except New York. Phantom hasn't given a timeline for other regions.
New York, and every country outside the US.
Limits and perks
Limits
- Daily card spending: $2,000, reviewed for $5,000 after 30 days of history
- Money transfers such as funding Apple Cash: $500 a week
Perks
- Send money by Phantom username
- Spend the same balance you trade with in the wallet
Pros and cons
What's good
- Free virtual card and free US purchases
- Built into a popular self-custody wallet
- Free stablecoin swaps into Cash
What's not
- US only, and not in New York
- No physical card, ATM access or cashback
- International purchase fee not published
Our take on Phantom Cash
Phantom, a leading Solana wallet, added a spending account called Phantom Cash, built on its CASH dollar stablecoin. The card is a free virtual Visa you add to Apple Pay or Google Pay, and it spends straight from that Cash balance. US purchases cost nothing.
It's a convenience card rather than a value card. There's no cashback, no physical card and no ATM access, and it's only for US residents outside New York. Funding is cheapest from stablecoins on Solana, which swap in for free. Topping up with a debit card costs 1.75%, which wipes out any advantage over a normal bank card.
In October 2026 Phantom started replacing every virtual card as the program moves from Bridge to Stripe. Your balance and limits carry over, but the card number changes, so update subscriptions when your new card arrives.
A handy free card if you already hold dollars in Phantom in the US. Nothing here beats a cashback card for everyday spending.
How we scored Phantom Cash: 4.5/10
MethodologyRecent Phantom Cash updates
All newsPhantom starts replacing every virtual card
Phantom is moving its card program from Bridge to Stripe and replacing virtual cards in stages through October. Balances and limits carry over, but the card number changes, so users need to re-add the card to Apple Pay or Google Pay and update saved payment details.
Phantom Cash FAQ
How much does the Phantom Cash Card cost?
Virtual card free. Annual or membership fee: None listed.
Does Phantom Cash have cashback?
No cashback. The current card program pays no purchase rewards.
What are the Phantom Cash FX and ATM fees?
FX: Domestic US purchases free. International purchases may carry a fee, shown before you confirm. ATM: Not available.
Where is Phantom Cash available?
United States only, except New York. Phantom hasn't given a timeline for other regions. New York, and every country outside the US.
Is Phantom Cash self-custody?
Cash account in the Phantom app. Phantom itself is a self-custody wallet.
Sources
- Phantom Help: Cash feesCard, funding, swap and withdrawal fees, checked Oct 17, 2026
- Phantom Help: the virtual Phantom debit card (US)Availability, limits, virtual only
- Phantom Help: replacement virtual cardBridge to Stripe migration, Oct 2026
- Phantom: Introducing Phantom CashLaunch, Sep 30, 2025
We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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