Crypto.com Card scores higher overall (6.8 vs 6.7 on our preliminary scale), but Bybit Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Head-to-head
| Feature | Bybit | Crypto.com | Better |
|---|---|---|---|
| Cashback without staking | 1% | 0% | Bybit |
| Best cashback | Up to 10% | Up to 4.5% | Bybit |
| Issuance fee | Free | €4.99 | Bybit |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 0.5% | 2% | Bybit |
| Available in US | Not available | Available | Crypto.com |
| Available in UK | Not available | Available | Crypto.com |
| Available in EEA | With restrictions | Available | Crypto.com |
| Network | Mastercardsource | Not verified | — |
| Card type | Debit | Prepaid | — |
| Staking or paid plan for best rate | No | Yes | — |
| Top-up | No top-up (spends from Funding Account); 0.9% crypto conversion fee when paying with cryptosource | Free from Crypto Wallet / Cash Account; 1% by debit/credit cardsource | — |
| Free ATM per month | €100 then 2%source | €200 (Midnight) / €400 (Ruby) / €800 (Jade, Indigo, Icy, Rose) / €1,000 (Obsidian), then 2%source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Bybit Card: entry-tier cashback 1%source, best rate Up to 10%source, paid in USDT (bybit.com); EEA: user-selected cashback currencysource.
Crypto.com Card: entry-tier cashback 0%source, best rate Up to 4.5%source, paid in CROsource. The best rate needs a token stake, holding or paid plan.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Bybit Card | $120 | −$12 | −$0 | $108 |
| Crypto.com Card | $0 | −$48 | −$0 | −$48 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Bybit Card if…
- You want cashback without staking — 1% on the entry tier versus 0%.
- You can reach the top tier: the best advertised rate is 10%.
- You often pay in foreign currencies — the entry-tier FX fee is 0.5% versus 2%.
- You want to keep fixed card fees as low as possible.
Choose Crypto.com Card if…
- You live in the US, where Crypto.com Card can be issued and Bybit Card is not offered.
- You live in the UK, where Crypto.com Card can be issued and Bybit Card is not offered.
- You live in the EEA, where Crypto.com Card can be issued and Bybit Card has restrictions.
- You are looking for a card for tiered rewards if you already hold CRO.
FAQ
Which is better, Bybit Card or Crypto.com Card?
Crypto.com Card scores higher overall (6.8 vs 6.7 on our preliminary scale), but Bybit Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Can I get Bybit Card or Crypto.com Card in the US?
Bybit Card: Not available. Crypto.com Card: Available. Availability can change; check the issuer’s site before applying.