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Phantom Cash Card VISA

Phantom Cash Card review

Virtual Visa that spends the CASH stablecoin straight from your Phantom wallet

Reviewed by Nour Mona Facts checked 1 November 2026 3 official sources
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Summary

Phantom Cash is a USD-pegged stablecoin balance inside the Phantom wallet, held onchain on Solana in a self-custodial smart-contract wallet. US users outside New York can get a virtual prepaid Visa issued by Lead Bank that spends directly from that balance. Phantom pays weekly rewards on Cash, but the card itself has no ATM access or physical version.

At a glance

Network
Visa1
Card type
Prepaid1
Formats
Virtual1
Who holds your funds
You (self-custody)31
ID check
Full ID check1
Top up with
CASH1
Top-up networks
Solana1
Apple Pay
Yes1
Google Pay
Yes1
ATM cash
No1
IBAN
Not available1
Issuing bank
Lead Bank21

Fees and limits

Phantom Debit Card
Daily limit $2,0001

Phantom Debit Card

  • Virtual prepaid Visa that spends directly from the Phantom Cash balance
  • Daily spending limit can rise to 5,000 USD after the Cash account has 30 days of history
  • Add to Apple Wallet in one tap; Google Wallet by entering card details
  • Rewards paid weekly on Cash held in Phantom
  • Freeze the card and set a PIN in the app; merchant details are not shown onchain

What works

  • Spends from a self-custodial onchain balance with no separate card top-up step
  • Works with Apple Pay and Google Pay
  • Fund with US bank, debit card or stablecoins
  • Rewards on Cash held in the wallet

What to watch

  • US only, and not available in New York
  • Virtual card only, with no ATM withdrawals
  • Fees are deferred to the cardholder agreement rather than listed in the help center

Where it works

Available in 1 countries.1

Show the country list

United States

Country guides for this card

United States

Questions people ask

Who can get the Phantom debit card?

US residents aged 18 or over, except those in New York, after identity verification through Phantom's partner Link.

Is there a physical Phantom card?

No. Phantom says the debit card is virtual only and can be added to Apple Wallet or Google Wallet.

Where is my money held?

Your Cash balance is the CASH stablecoin in a self-custodial smart-contract wallet on Solana; it is converted to dollars only at the moment you pay.

How would you rate Phantom Cash Card?

Used this card? Tap the stars. One rating per person, no account needed.

Sources

The numbers on this page come from these official pages. The small numbered marks next to each fact point here.

  1. help.phantom.com/hc/en-us/articles/44800221533459 — Use your Phantom debit card: Visa, virtual only, draws from CASH, daily limit $2,000 (up to $5,000 after 30 days), $500/week money-transfer limit, no ATM, Apple/Google Wallet, no cash back at POS, US only excluding New York (checked 2026-11-01)
  2. help.phantom.com/hc/en-us/articles/44799497237395-About-Phantom-Cash — Prepaid Debit Visa issued by Lead Bank; Bridge Ventures LLC program manager; Link KYC required for card; funding by Apple Pay/Google Pay/debit card/bank (US except NY) or stablecoins; CASH on Solana held onchain; rewards on Cash (checked 2026-11-01)
  3. help.phantom.com/hc/en-us/articles/44800866087443 — Cash FAQ: balance in a self-custodial smart-contract wallet on Solana; Cash available in most countries except US-sanctioned; card US except NY; weekly rewards (checked 2026-11-01)

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