Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Xplace Card and Bybit Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way — read our editorial disclosure.
The short version:
Xplace scores 4.9/5 on Sweepbase vs 4/5 for Bybit. That gap shows up mostly in fees and feature coverage.
Xplace Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Bybit where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Bybit may be better if you need broader regional coverage.
In short: Xplace Card (4.9/5) is the stronger option for most people compared to Bybit Card (4/5).
| Features |  Xplace Card |  Bybit Card |
|---|---|---|
| Virtual + Physical | Virtual + Physical | |
| Self-custody | Custodial | |
| Visa Credit | Mastercard; Visa | |
| Free | Free | |
| Free | Free | |
| 1% FX fee on international transactions (even on Platinum tier) | 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion | |
| 0.5-2% real-time USDC cashback (tiered) | 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 collateral and tier | €5000/day standard; €20000/day Level 3 | |
| Not available (no cash advances or ATM withdrawals) | First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% | |
| 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) | BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) | |
| 160+ countries including US, EU, Africa, Asia-Pacific, Latin America, Middle East | 27 EEA countries, Switzerland, Australia, Latin America; NOT available in US, UK, Canada, France, Singapore, China | |
| Get Card | Get Card |