Phantom Cash Card Review 2026

Name: Phantom Cash Card
Brand: Visa
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

3.5 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodySelf-custody

NetworkVisa Prepaid

CashbackNone

RegionsUSA

Fees and limits

Issuance fee	Free
Annual fee	Free
FX fee	Not published: Phantom says fees may apply to international purchases and are shown before you confirm; US purchases are free
ATM limit	Not supported: ATM withdrawals and cash advances are declined
Spending limit	$2,000 per day, reviewed for up to $5,000 per day after 30 days of history; money-transfer merchants capped at $500 per week

Fees change; the current ones are in Phantom Cash’s terms.

Features

Cashback: None (no cashback program; earlier 'up to 8%' figure unverified)
KYC: Limited no-KYC tier; ID needed for full features
Card type: Virtual only
Top up with: CASH stablecoin on Solana
Full list
- Free swaps from USDC, USDT, USDG or PYUSD into Cash, 0.85% from other tokens
- In the US also debit card or Apple Pay 1.75%, credit card 3.50%, ACH direct deposit 0.30%, domestic wire 1.00%
Available countries: United States (except New York)

Who issues the Phantom Cash Card

The Phantom Cash Card is issued by Lead Bank, USA (Missouri state-chartered); program managers Bridge and Stripe. The issuer is named in the source linked below. Phantom's Cash page: "The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank". Phantom's help centre says the card is being replaced as Phantom moves to a new card issuer, and treats cards replaced or activated after 5 October 2026 as Stripe-issued; it does not name the bank behind the replacement card.

Primary source · All cards issued by Lead Bank · Why the issuer matters

Supported cryptocurrencies

You can load the Phantom Cash Card with crypto; the 3 assets we track for it are listed below.

Networks & deposit details: Solana only (CASH stablecoin on Solana; cannot receive from Ethereum/Polygon)

SOLSolanaUSDCUSD CoinUSDTTether

Pros and cons

Pros

✓
Cash account is a Solana wallet Phantom describes as self-custodial, with the balance held on-chain in CASH
The fine print
- No card issuance fee and no fee on US purchases
- KYC handled by a partner so Phantom does not store your identity documents
- US routing and account numbers for ACH and direct deposit
- Free standard ACH withdrawal
No annual maintenance fee

Cons

✗
US only, except New York
The fine print
- Virtual only, no physical card and no ATM access
- $2,000 daily limit to start
- Solana-only
- No cashback
- International purchase fees not published

Regional availability

Available in the United States

The Phantom Cash Card is for US residents: United States (except New York).

Card overview

The Phantom Cash Card is a prepaid Visa debit card that spends from CASH, Phantom's USD-pegged stablecoin on Solana. US purchases are free, but the fee for international purchases is not published: Phantom says only that fees may apply and are shown before you confirm. So you cannot compare its real cost abroad before you sign up, and there is no cashback to soften that. Funding costs are published: swaps into CASH from USDC, USDT, USDG or PYUSD are free and 0.85% from other tokens, while in the US a debit card or Apple Pay load costs 1.75%, a credit card 3.50% and ACH direct deposit 0.30%.

Your CASH sits in the self-custody Phantom wallet, and at the point of sale Bridge converts it to USD to settle the Visa transaction. The card itself runs on custodial rails: Lead Bank issues it, Bridge Ventures LLC manages the program, and Phantom is explicitly not a bank. It is virtual only, ATM withdrawals and cash advances are declined, and spending starts at $2,000 a day. Apple Pay and Google Pay both work.

You fund it by bank transfer or direct deposit, or by swapping crypto into CASH inside the app, and KYC is required for the card and any bank-linked funding. It is live in the US, excluding New York. Yield on CASH exists only if you deposit it into third-party apps such as Kamino, at rates Phantom does not set, and money there is not the balance the card spends.

Best fit: existing US Phantom and Solana users outside New York who want to spend a stablecoin balance straight from the same app that holds their crypto
Wrong card if: you are outside the US, in New York, or shopping on rewards or a guaranteed FX rate

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Phantom's card page names Lead Bank as issuer of the prepaid Visa and Bridge as programme manager. Phantom's help centre says it is moving from Bridge to Stripe as its debit card issuer; starting 5 October 2026 existing Bridge-issued cards are replaced automatically with a new card number, the previous card stops working, and the Cash balance, spending limits and history carry over. Disputes on Bridge-issued cards still go through Galileo.
Phantom calls the Cash account a self-custodial smart-contract wallet on Solana and says only you can move funds, yet card payments show on-chain as transfers to a smart contract associated with Stripe, which draws CASH at the moment of payment; Phantom does not explain how that authority is granted. The card is virtual only and US-only except New York, with a standard daily limit of $2,000 that can rise to $5,000 after 30 days.

Common questions about the Phantom Cash Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the Phantom Cash Card?

The Phantom Cash Card charges no issuance or annual fee. The FX fee is not published.

Is the Phantom Cash Card legit, and who is behind it?

The issuer of record for the Phantom Cash Card is Lead Bank, USA (Missouri state-chartered), named in the terms published at bridge.xyz. Phantom's Cash page: "The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank". Phantom's help centre says the card is being replaced as Phantom moves to a new card issuer, and treats cards replaced or activated after 5 October 2026 as Stripe-issued. It does not name the bank behind the replacement card.

Is the Phantom Cash Card worth it?

Best fit for the Phantom Cash Card: existing US Phantom and Solana users outside New York who want to spend a stablecoin balance straight from the same app that holds their crypto. Wrong card if you are outside the US, in New York, or shopping on rewards or a guaranteed FX rate.

Where is the Phantom Cash Card available?

Phantom Cash Card: USA.

What cryptocurrencies does the Phantom Cash Card support?

You can fund the Phantom Cash Card with: CASH stablecoin on Solana; free swaps from USDC, USDT, USDG or PYUSD into Cash, 0.85% from other tokens; in the US also debit card or Apple Pay 1.75%, credit card 3.50%, ACH direct deposit 0.30%, domestic wire 1.00%.

What are the Phantom Cash Card's ATM and spending limits?

ATM: Not supported: ATM withdrawals and cash advances are declined. Daily spending: $2,000 per day, reviewed for up to $5,000 per day after 30 days of history; money-transfer merchants capped at $500 per week.