Phantom Cash
Phantom Cash is a crypto card issued on Visa, rated 7.3/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Phantom Cash is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at medium (self-custody wallet but CASH issued/backed by bridge; no cashback; no ATM; US-centric) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Phantom Cash · Crypto Card |
| Official site | https://phantom.app |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 7.3/10 (3.5★, 336 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | Free |
| Top-up (deposit) fee | 0% (free swaps from USDC/USDT/USDG/PYUSD; 0.85% other tokens) |
| FX / conversion fee | Not published (US purchases free) |
Verification and risk
| KYC required | Yes (ID + address for full features; limited no-KYC tier) |
| Risk level | Medium ··· |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (CASH stablecoin on Solana; SOL, USDC, USDT) |
| Bank transfer | Yes (US ACH / direct deposit) |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | USA |
| Billing country | USA except New York; international rollout phasing from Mar 2026 |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 420214 | Visa | United States | Debit | 159 | 114 | 71.7% |
We logged 114 cleared charges out of 159 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Phantom Cash cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; top-ups cost 0% (free swaps from USDC/USDT/USDG/PYUSD; 0.85% other tokens); conversion is priced at Not published (US purchases free). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Phantom Cash?
Phantom Cash asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (ID + address for full features; limited no-KYC tier)
How can I fund Phantom Cash?
You can fund it with crypto (CASH stablecoin on Solana; SOL, USDC, USDT), bank transfer (US ACH / direct deposit). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Phantom Cash need?
Setting it up: the billing address type is USA; cards are issued against USA except New York; international rollout phasing from Mar 2026; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Phantom Cash work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Phantom Cash trigger 3-D Secure?
Yes. Phantom Cash supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Phantom Cash?
Phantom Cash allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.