Phantom Card vs Tangem Pay
Phantom CardLower cost at your spend, cheaper abroad.
Tangem PayMore cashback, cash-out to a bank, physical card.
Side by side
Money
SourcePhantom help center, Cash fees · checked November 10SourceTangem Pay fees and limits (08.10.2026) · checked November 10- A year at $500/mo
- Earn/yr★
- Costs/yr
- Cashback a year
- None
- +$60★
- Cashback rate
- —
- 1–2% in USDC
- Paying in another currency
- Not published★
- 1.5% extra
- Virtual card
- Free
- First free, then $5
- Physical card
- Not offered
- $28.82–79.94 delivery
- Cash withdrawal
- Not supported
- 4%
Getting it
SourcePhantom help center, identity check for Cash · checked November 10SourceTangem help center, getting started and KYC · checked November 10- For residents of
- 1 countries
- Not published
- ID from another country
- Where you live counts, not the country of your ID
- Where you live counts, not the country of your ID
- ID accepted
- Government-issued ID and a selfie (document types not listed)
- Not published ('valid government-issued ID', types not named; checked by Sumsub)
- Sign-up
- ID + SSN check (via Stripe Link)
- ID check (via Paera)
- Cash out to a bank
- No
- Yes★
Using it
SourcePhantom help center, virtual Phantom debit card (US) · checked November 10SourceTangem help center, what is Tangem Pay · checked November 10- Pays in
- Anywhere Visa works; not gambling, crypto purchases, gift card reloads, cash advances or ATMs
- Anywhere Visa works
- Spending per day
- $2,000
- $10,000 a card
- Physical card
- No
- Yes★
- App Store rating
- 4.8 / 5
- 4.9 / 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, Tangem Pay.
