Image: Squads Labs (Fuse wallet)
Image: PhantomFuse vs Phantom Cash
Quick answer
Both are free virtual Visa cards from Solana wallets with a $2,000 daily limit and no cashback. Fuse charges no fees even abroad and covers the US (except New York and Alaska), 14 Latin American countries, Ghana and Nigeria, but only on iPhone. Phantom Cash is US only (not New York) and works on iPhone and Android; US purchases are free, and any international fee is shown before you pay.
Fuse and Phantom Cash compared
| Fuse | Phantom Cash | |
|---|---|---|
| Our score | 6.5/10 | 4.5/10 |
| Best for | iPhone users in the Americas or West Africa who want a free card for Solana USDC. | Phantom wallet users in the US who want to spend stablecoins with Apple Pay or Google Pay. |
| Cashback | No cashback | No cashback |
| Card cost | Free | Virtual card free |
| Annual fee | None. Fuse Plus is free after KYC. | None listed |
| FX | None. Fuse says there are no fees when you use the card outside the US. | Domestic US purchases free. International purchases may carry a fee, shown before you confirm. |
| Conversion | None on USDC | Free from USDC, USDT, USDG or PYUSD on Solana into Cash. 0.85% for other tokens. |
| ATM | Not available | Not available |
| Custody | Self-custody smart wallet on Solana. Funds move to a card account to spend. | Cash account in the Phantom app. Phantom itself is a self-custody wallet. |
| Network | Visa | Visa |
| Top up with | USDC on Solana; USD (ACH, wire) and EUR (SEPA) bank transfers through virtual accounts, converted to USDC | 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 |
| Withdraw by | Move funds from the card account back to your wallet after a 5-minute security lock; Send USDC on Solana; ACH or SEPA bank transfers where available | Send CASH to a Phantom username or any Solana wallet; Standard or fast ACH to a US bank |
| Where it works | The US (except New York and Alaska), Argentina, Bolivia, Brazil, Colombia, Costa Rica, the Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Panama, Paraguay, Peru, Uruguay, Ghana and Nigeria. | United States only, except New York. Phantom hasn't given a timeline for other regions. |
| Last checked | 17 October 2026 | 17 October 2026 |
Which one should you pick?
In the US, either works and the choice comes down to which wallet you already use. Outside the US, Fuse is the only option of the two. If you're on Android, Phantom is the one you can install.
Frequently asked questions
Which is cheaper abroad, Fuse or Phantom Cash?
On the entry tier, Fuse has the lower FX markup. Fuse: None. Fuse says there are no fees when you use the card outside the US.. Phantom Cash: Domestic US purchases free. International purchases may carry a fee, shown before you confirm..
Which pays more cashback, Fuse or Phantom Cash?
Phantom Cash has the higher top rate. Fuse: No cashback. Phantom Cash: No cashback. Check caps and requirements on each review.
Are Fuse and Phantom Cash self-custody?
Fuse: Self-custody smart wallet on Solana. Funds move to a card account to spend.. Phantom Cash: Cash account in the Phantom app. Phantom itself is a self-custody wallet..