Phantom Card vs MiniPay Card
Phantom CardBank top-ups, better-rated app.
MiniPay CardLower cost at your spend, more cashback.
Side by side
Money
SourcePhantom help center, Cash fees · checked November 10SourceOpera press release, MiniPay launches Visa debit card (23.06.2026) · checked November 10- A year at $500/mo
- Earn/yr
- Earn up to/yr★
- Cashback a year
- None
- +$300★
- Cashback rate
- —
- Up to 5%, max $100/mo
- Virtual card
- Free
- Free to activate
- Cash withdrawal
- Not supported
- No ATM
Getting it
SourcePhantom help center, identity check for Cash · checked November 10SourceMiniPay FAQ · checked November 10- For residents of
- 1 countries
- Not published
- 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 (identity check guided in the app, onboarding shows in the card tab if your country is supported)
- Sign-up
- ID + SSN check (via Stripe Link)
- ID check in the app, by country
- Top up from a bank
- Yes★
- Crypto only
Using it
SourcePhantom help center, virtual Phantom debit card (US) · checked November 10SourceMiniPay virtual card page · checked November 10- Pays in
- Anywhere Visa works; not gambling, crypto purchases, gift card reloads, cash advances or ATMs
- Anywhere Visa works, 175M+ merchants
- Spending per day
- $2,000
- Not published
- 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, MiniPay Card.
