A strong default for EEA residents who want base cashback with no fixed fees. It isn’t an option in the US, and Bybit stopped accepting new UK users in September 2026.
Score breakdown
How we read the terms: EEA terms via Bybit EU: free card, no monthly fee, 0.5% FX, 1% base cashback for non-VIP users.
Preliminary score: criteria marked “Not scored” are left out and their weight is shared among the rest. How scores are calculated.
Pros
- No issuance or monthly fee on the EEA card
- 1% base cashback without staking
- Low 0.5% FX fee in the EEA
- Apple Pay, Google Pay and Samsung Pay
Cons
- Not available in the US, and closed to new UK users since September 2026
- The 10% top rate needs VIP or PRO status
- The EEA card moved to Bybit EU; terms differ from bybit.com regions
- Paying with crypto adds a 0.9% conversion fee
Overview
In the EEA the card is issued through Bybit EU as a Mastercard debit card that spends from your Funding Account. The older bybit.com EUR card was closed.
Base cashback for non-VIP users in the EEA is 1% since June 2026; VIP and PRO tiers raise it to as much as 10%. On bybit.com regions the base rate and network differ.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Fees and limits
- Card issuance (EEA)
- Free (virtual and first physical); physical replacement €5source
- Monthly fee (EEA)
- Nonesource
- FX fee (EEA)
- 0.5source
- Top-up (EEA)
- No top-up (spends from Funding Account); 0.9% crypto conversion fee when paying with cryptosource
- Free ATM per month (EEA)
- €100 then 2%source
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
Entry tier, €1,000 a month of everyday spending in the card’s currency, first year, compared with a plain 2% cash-back card. Only the verified figures above are used.
- Cashback earned
- €120
- Card fees (issuance + 12 × monthly)
- €0
- Net value, year one
- €120
- Plain 2% cash-back card
- €240
At this spend, a plain 2% cash-back card earns €120 more. Higher tiers pay more, but may need staking, a balance or a paid plan — see the tiers above.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Not available | “Bybit does not offer services or products to Users in excluded jurisdictions including the United States”source |
| UK | Not available | “Bybit will no longer accept new registrations from UK residents”source Bybit stopped accepting new UK registrations on 21 September 2026; from 21 October 2026 UK accounts are limited to withdrawals. |
| EEA | With restrictions | “Supported EEA countries: Austria, Belgium, ... Sweden (Malta is excluded)”source Issued through Bybit EU across the EEA except Malta. |
By country
Other regions listed by the issuer: EEA (via Bybit EU, excl. Malta), Argentina, Brazil, Mexico, Peru, Australia, Georgia, Kazakhstan (AIFC), Asia Pacific, Not USsource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Create an accountDownload the Bybit app and sign up.
- 2Pass verificationUpload an ID document and a selfie (KYC). Some regions also ask for proof of address.
- 3Order the cardChoose a virtual card to start right away, or order a physical card where offered.
- 4Fund and spendMove crypto or stablecoins to the balance the card spends from and add it to your mobile wallet.
Bybit Card: common questions
What are the Bybit Card fees?
For the EEA card (Bybit EU): no annual, inactivity or cancellation fee, and virtual and first physical cards are free (physical replacement €5). There's a 0.5% FX fee on non-EUR spending, a 0.9% crypto conversion fee when paying with crypto, and ATM withdrawals cost 2% after the first €100 each month. Fees differ in non-EEA regions.source
What are the Bybit Card spending and ATM limits?
For the EEA card, spending limits are €5,000/€10,000/€15,000 per transaction and per day, and €10,000/€25,000/€50,000 per month, for Tiers 1/2/3. ATM withdrawals are capped at €2,000 per transaction and per day, and €2,000/€5,000/€10,000 per month. Virtual Card Lite has a €150 lifetime spending limit.source
Is the Bybit Card available in the US?
No. Bybit says it doesn't offer services or products to users in excluded jurisdictions, which include the United States (also Canada, Mainland China, Hong Kong and Singapore).source
Is the Bybit Card available in the UK?
No for new users. On 21 Sep 2026 Bybit said it would stop accepting new registrations from UK residents immediately. From 21 Oct 2026, UK-registered accounts are restricted to crypto and fiat withdrawals only.source
How does Bybit Card cashback work?
Card spending earns points that convert to cashback. On bybit.com, non-VIPs start at 2% capped at $5/month and can unlock tiers by spending; tiers go up to 10% (cap $600/month). From 5 Oct 2026, only crypto-funded spending earns rewards. In the EEA, non-VIPs get 1% with no cap; higher tiers (up to 10%, cap €600) require VIP status.source
Does the Bybit Card have a monthly fee?
No. Bybit EU’s fee page lists no monthly fee and a free first card; a physical replacement costs €5.
Can I get the Bybit Card in the US?
No. The US is on Bybit’s restricted-countries list.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.