Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing BitPay Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Bybit rates 4/5, slightly ahead of BitPay at 3.5/5. Both are solid options, but Bybit is the better pick for most people.
Bybit Card is the better card here. Bybit also lets you earn yield on your deposits, something BitPay doesn't offer. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, BitPay may be better if you need something it does better.
In short: Bybit Card (4/5) is the stronger option for most people compared to BitPay Card (3.5/5).
| Features |  BitPay Card |  Bybit Card |
|---|---|---|
| Virtual only | Virtual + Physical | |
| Custodial | Custodial | |
| Mastercard Standard | Mastercard; Visa | |
| Free | Free | |
| Free | Free | |
| 0% foreign transaction fees, Mastercard standard conversion rates | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion | |
| None (program paused since June 2023; new applications on waitlist only, no relaunch date as of May 2026) | Advertised 2-10% cashback based on VIP level, but the base tier has a strict $10 USDT monthly cashback cap. Even at 2% cashback, you max out at just $500/month in spending before hitting the cap. At typical $2,000/month spending, the effective cashback rate drops to just 0.5% ($10 cap / $2,000). To reach 10%, you need VIP Supreme status, which requires $1M+ in assets or massive trading volume ($1M spot + $10M derivatives in 30 days for VIP 1 alone). No staking required, but the monthly cap makes the high percentage misleading for regular users. Realistic cashback for a typical user: 2% capped at $10/month. | |
| Based on loaded balance | €5000/day standard; €20000/day Level 3 | |
| Not available (virtual only) | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| BTC, ETH, LTC, BCH, DOGE, DAI, USDC, USDT (8+) | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) | |
| USA only | 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China | |
| Get Card | Get Card |