MetaMask Card vs Phantom Cash
On cashback MetaMask Card wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and MetaMask Card does better (0% vs 1%). In our editorial rating MetaMask Card leads (5.0 vs 4.6). In short: MetaMask Card if your usage matches its strength, Phantom Cash otherwise — the numbers above beat any slogan.
| MetaMask Card | Phantom Cash | |
|---|---|---|
| Tier | S | A |
| Rating | ★ 5.0 | ★ 4.6 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | $1,000/day | N/A (solo prepaid) |
| ATM withdrawal | 2% | Free |
| FX markup | 0% | 1% |
| Cashback | 3% in mUSD · Nessuno | Not disclosed |
| Chains | Linea, Base, Solana | Solana |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Light |
| Privacy | 8/10 | 8/10 |
| Supported countries | UK, EEA, LATAM · 30+ countries | US · 1+ countries |
| Funding / solidity | 30M+ wallet attivi · valutazione pre-IPO $10B+ | — |
| Regulator | Financial Conduct Authority (FCA) — UK | Stripe partner bank (OCC/FDIC); FinCEN / state MSB regulators |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Past incidents | — | August 2022: an exploit of ~8,000 Solana wallets (~$8M) caused by the third-party Slope Wallet library, not by Phantom; Phantom urged users to migrate their seed phrases. |
| Regions | UK, EU/EEA, LATAM | US |
| Licences & safety | Stripe Issuing / BIN sponsor (partner bank model) |
Frequently asked questions
MetaMask Card vs Phantom Cash: which is better?
On cashback MetaMask Card wins (up to 3%, but the full rate requires Nessuno); for spending abroad FX markup matters, and MetaMask Card does better (0% vs 1%). In our editorial rating MetaMask Card leads (5.0 vs 4.6). In short: MetaMask Card if your usage matches its strength, Phantom Cash otherwise — the numbers above beat any slogan.
Which is cheaper, MetaMask Card or Phantom Cash?
On the standard spending profile MetaMask Card has the lowest net annual cost: €0 versus €0 for Phantom Cash.
Which offers more cashback, MetaMask Card or Phantom Cash?
MetaMask Card has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is MetaMask Card custodial or self-custody?
MetaMask Card is self-custody: you keep the keys, while Phantom Cash is self-custody.
Which is better for spending abroad?
For foreign-currency spending MetaMask Card wins, with the lowest FX markup: 0%.