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Bybit Card vs Crypto.com Card
Pick Bybit Card if you live in the EEA and want low fees without a subscription: the Bybit EU card is free to issue, adds 0.5% above the Mastercard rate and gives EUR 100 of fee-free ATM cash a month, while Bybit’s global programs outside the EU charge 1%–7% FX by region (as of 26 Sep 2026).
Pick Crypto.com Card if you live in the US or another Crypto.com card region and will hold a paid Level Up plan: US rewards run from 1.5% on Plus to 4.5% on Private, higher tiers drop the 3% FX fee, and free ATM cash rises to 1,000 USD a month (as of 26 Sep 2026).
Both are custodial exchange cards, so the deciding question is which exchange already holds your crypto and which regional fee table applies to you.
Choose Bybit Card if
- You live in the EEA and want a free card with 0.5% FX and no plan to buy (as of 26 Sep 2026)
- Your crypto already sits in a Bybit Funding Account
- You live in a Bybit global region and want a card with no annual fee
Choose Crypto.com Card if
- You live in the US or another Crypto.com card region and already use the app
- You will pay for Level Up Plus or higher to earn 1.5%–4.5% back (US, as of 26 Sep 2026)
- You want to top up from a bank card or PayPal as well as from crypto
Key differences
| Attribute | Bybit Card | Crypto.com Card |
|---|---|---|
| Regional programs | Bybit CardBybit EU for eligible European residents; a separate global program with region-by-region fees (card currencies include USD, ARS, BRL and MXN) | Crypto.com CardSeparate tables for the US, Europe, UK, Canada, Singapore, Australia and select GCC markets |
| Card cost | Bybit CardBybit EU: virtual and first physical card free, replacement EUR 5. Global: physical card from 0 to USD/USDT 29.99 by region (as of 26 Sep 2026) | Crypto.com CardUS: physical Basic USD 4.99, Ruby USD 29.99 depending on plan (as of 26 Sep 2026). EEA: Basic EUR 4.99 until 30 Sep 2026 |
| Foreign currency | Bybit CardBybit EU: 0.5% above the Mastercard rate. Global: 1%–7% by region; Kazakhstan applies a cross-border fee (as of 26 Sep 2026) | Crypto.com CardUS Midnight/Ruby/Jade/Indigo: 3%; higher tiers: none (as of 26 Sep 2026). EEA: rates changed with the new tier rules of 1 Oct 2026 |
| ATM cash | Bybit CardBybit EU: EUR 100 a month free, then 2% (as of 26 Sep 2026) | Crypto.com CardUS: 200, 400, 800 or 1,000 USD a month free by tier, then 2% (as of 26 Sep 2026) |
| Funding | Bybit CardNon-fiat assets in the Bybit Funding Account; global crypto conversion 0.5% or 0.9% where supported (as of 26 Sep 2026) | Crypto.com CardCrypto-to-card transfer; US top-ups cost 1% by debit card, 2.99% by credit card and 2.1% via PayPal (as of 26 Sep 2026) |
| Rewards | Bybit CardSet by campaign, tier and region | Crypto.com CardUS: none on Level Up Basic, 1.5% Plus, 2.5% Pro, 3.5% or 4.5% Private, with monthly caps (as of 26 Sep 2026) |
What a trip costs with Bybit Card and Crypto.com Card
Bybit Card prices are under “EEA (euro account)” and Crypto.com Card prices under “United States” in “Where you live”: switch it to see each card’s trip total.
Enter foreign-currency amounts at their value in EUR.
Assumes a euro card used in another currency outside Europe, so payments and cash are converted.
For this trip Bybit Card EU costs about 10.50 EUR.
FAQ
Which has lower FX fees, Bybit Card or Crypto.com Card?
It depends on where you live. In the EEA, Bybit EU charges 0.5% above the Mastercard rate (as of 26 Sep 2026); Crypto.com’s EEA rates changed with its new tier rules on 1 Oct 2026, so compare that 0.5% with Crypto.com’s new EEA table for your tier. In the US, Crypto.com’s Midnight, Ruby, Jade and Indigo cards charge 3% on non-USD purchases and ATM cash, and higher tiers charge no FX fee (as of 26 Sep 2026). Outside the EU, Bybit’s global programs charge 1% to 7% by region (fee table of 10 Sep 2026).
What are the ATM limits on Bybit Card and Crypto.com Card?
Bybit EU allows EUR 100 a month without a Bybit fee, then charges 2%; global spending and ATM limits vary by region, with a 10,000 USD daily limit on Asia Pacific tier 1 (as of 26 Sep 2026). Crypto.com US cards give 200, 400, 800 or 1,000 USD of free ATM cash a month by tier, then 2%, and cap the card balance at 25,000 USD (as of 26 Sep 2026).
Do I need a subscription to earn card rewards?
On Crypto.com, yes: Level Up Basic earns nothing on spending, and US rewards start at 1.5% on Plus and reach 4.5% on Private, with monthly caps; new CRO stakes lock for 365 days (as of 26 Sep 2026). Bybit card rewards depend on current campaigns, your tier and your region.
Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare