CryptoCardsPerks
Krak Card
7.4/10
Ranked #19 of 76
Overview
The Phantom Card is a non-custodial crypto card aimed primarily at users in a wide range of regions. It runs on the Mastercard network, so it's accepted anywhere Mastercard is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #19 of 76 cards, with an overall score of 7.4 out of 10.
★ Phantom Card referral code
PHANTO6040
New users who sign up with this code typically get a sign-up bonus once you complete your first eligible purchase. Rewards vary by region and are set by Phantom Card.
Rating breakdown
How the Phantom Card scores across the categories we weigh into its overall 7.4/10.
Fees & value7.4
Rewards7.8
Ease of use7.5
Security & custody8.1
Availability8.1
Cashback & rewards
Spending on the Phantom Card earns cashback, starting around 1% on the base tier. Higher rates are typically unlocked by staking the provider's token or moving up to a paid plan, and base-tier rewards are usually capped monthly. Here's how the tiers generally compare:
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Starter | No stake required | 1% | ~30 / month |
| Plus | Token stake or paid plan | 3% | ~100 / month |
| Premium | Higher stake / top tier | 6% | Higher or uncapped |
Cashback is usually paid in the provider's token or in stablecoin. Exact rates, caps and the assets you can earn vary by region — confirm current numbers on the official site.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | Free |
| Card issuance | — |
| Card spend (USD)Fee on purchases made in US dollars | 0.5% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0.5% |
| ATM withdrawals | N/A (virtual) |
How to get the Phantom Card
- Download the Phantom Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code PHANTO6040 during sign-up to claim any welcome perk.
- Connect or fund your self-custody wallet, then start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Earns up to 1% cashback on eligible spending
- Works with Apple Pay and Google Pay
- Non-custodial — you stay in control of your funds
- Available across a wide range of countries
Cons
- Requires full KYC (government ID + selfie)
- Virtual-only — no physical card to tap
Who it's for
Phantom Card suits users almost anywhere who want to keep custody of their own crypto while still being able to spend it. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the Phantom Card offer cashback?
Yes. The Phantom Card pays cashback starting around 1% on the base tier, with higher rates available on upgraded or staked tiers. Base rewards are usually capped monthly.
Is the Phantom Card available in my country?
The Phantom Card is available across a broad range of countries. Always confirm your specific country is supported on the provider's official site before applying.
Does the Phantom Card require KYC?
Yes. The Phantom Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Phantom Card custodial or non-custodial?
The Phantom Card is non-custodial, meaning you keep control of your own funds and can move them without the provider.
What network does the Phantom Card run on?
The Phantom Card runs on the Mastercard network, so it's accepted wherever Mastercard is supported, and it works with Apple Pay and Google Pay.