Phantom Card vs Lava Card
Phantom CardBetter-rated app, your own wallet.
Lava CardLower cost at your spend, more cashback, more countries.
Side by side
Money
SourcePhantom help center, Cash fees · checked November 10SourceLava Card terms, International · checked November 10- A year at $500/mo
- Earn/yr
- Earn/yr★
- Cashback a year
- None
- +$180★
- Cashback rate
- —
- 1–5% in BTC
- Cash withdrawal
- Not supported
- 2%, min $1
Getting it
SourcePhantom help center, identity check for Cash · checked November 10SourceLava Card terms, International · checked November 10- For residents of
- 1 countries
- 232 countries★
- ID from another country
- Where you live counts, not the country of your ID
- Not published
- ID accepted
- Government-issued ID and a selfie (document types not listed)
- Not published: Lava may ask for 'additional documents that are acceptable to us'; approval needed
- Sign-up
- ID + SSN check (via Stripe Link)
- Lava account + ID check
Using it
SourcePhantom help center, virtual Phantom debit card (US) · checked November 10SourceLava FAQ, where the card is available · checked November 10- Pays in
- Anywhere Visa works; not gambling, crypto purchases, gift card reloads, cash advances or ATMs
- Anywhere Visa works (150M+ merchants, 150+ countries); some merchant categories earn no rewards
- Spending per day
- $2,000
- Not published
- Apple / Google Pay
- No
- Your money
- You hold it
- Company holds it
- App Store rating
- 4.8 / 5★
- 4.6 / 5
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: Phantom Card, Lava Card.
