Bybit Card
The Bybit Card is a crypto-backed Mastercard that spends USDC, BTC, ETH, MNT, TON and XRP directly from your Bybit Funding Account. Cashback runs 2-10% through a six-tier Rewards Points system, reachable either by VIP level or by monthly spending alone — no staking required. Rewards are paid as points convertible to USDT, with monthly caps rising from $5 at the entry tier to $600 at the top. From Tier 3, or Tier 2 for VIP clients, selected subscriptions including ChatGPT Plus, Claude Pro, Netflix and Spotify earn 100% rebates. In the EEA, non-VIP holders of the Bybit EU Card instead earn a flat, uncapped 1% since August 2026.
Is the Bybit Card worth it?
The Bybit Card is a prepaid card on Mastercard, paying up to 10% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 10% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
- you want to start spending the day you sign up
THINK TWICE IF
- you want to hold your own keys — this card is custodial
How we rate the Bybit Card
- Cost25%3.5 / 5
No annual or monthly fee, but FX is about 1–2% in most regions (7% in Argentina), plus a 0.9% conversion fee when spending crypto and 2% on ATM withdrawals above the regional allowance.
- Conditions25%3.5 / 5
The 2% Tier 2 rate we score only needs $500 of monthly spend. But the advertised 10% needs $25,000 a month — more than four times the rate most people reach. In the EEA, spending no longer unlocks higher tiers for non-VIP cardholders.
- Rewards25%4.0 / 5
At $1,500/month you qualify for Tier 2: 2% up to $50/month, about $30, paid as points convertible to USDT at a fixed rate. Since 5 October 2026 those purchases must be crypto-funded to earn, and non-VIP Tier 2 cardholders no longer get the 100% subscription rebates. In the EEA, non-VIP cardholders earn a flat 1% instead, about $15 at $1,500.
- Reliability25%4.0 / 5
Established exchange with detailed card terms published per region, and our figures are verified against them.
Bybit Card is a strong choice for active Bybit users, but its headline 10% cashback is far less attractive than it looks. The card has no annual or inactivity fees, a solid 2% base reward, six spending-based tiers, and valuable subscription rebates from Tier 3 (Tier 2 for VIP clients). But the best rewards require very high monthly spending, cashback is capped, and regional FX, crypto-conversion and ATM costs can seriously reduce its value. For frequent Bybit users who can reach the higher tiers, it is competitive; for casual users, the 10% headline should not be the reason to choose it.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 10%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 10%, paid in Reward Points, convertible to USDT cashback (1 point = 0.002 USDT). No staking required for the base rate.
- Outside the EEA: Paid as Reward Points, convertible to USDT — monthly caps apply per tier ($5 at Base up to $600 at Infinite).
- Since 5 October 2026, only purchases funded with crypto earn cashback on the Global programme — USDT, USDC, ETH, MNT, GRAM, BTC, XRP or BNB.
- Bybit deducts card-denominated fiat first, so fiat spending must be switched off under Paying With for a purchase to qualify.
- Rewards remain pending for 4 calendar days after the transaction is completed.
- In the EEA, non-VIP holders of the Bybit EU Card instead earn a flat 1% on eligible purchases with no monthly cap (since 4 August 2026 for existing cardholders), funded with fiat or crypto; the tiered rates apply only to VIP clients there.
Compare the plans
This card has 6 plans. Select one to see its rate, fees and perks.
Fees you'll actually meet
How much you can spend
Published by the issuer and set per country. Figures are in each market's own currency. Verify with the issuer before relying on a limit.
How much cash you can take out
Each period caps both the number of withdrawals and their total value — you reach whichever comes first. Set per country, in each market's own currency.
ATM withdrawals are restricted in Mainland China. A withdrawal limit applies only to the physical Bybit Card.
Strengths and trade-offs
WORKS FOR YOU IF
- No annual, monthly or inactivity fees
- Virtual card issuance is free in all supported regions
- Up to 10% cashback without staking or token lock-up
- 100% merchant rebates in Reward Points on eligible subscriptions from Tier 3+, or Tier 2 for VIPs (outside the EEA)
- Outside the EEA, higher reward tiers can be unlocked through spending — VIP status is not required
- Cashback-eligible crypto funding from USDT, USDC, ETH, MNT, GRAM, BTC, XRP and BNB
LOOK ELSEWHERE IF
- Cashback is capped monthly — 10% tier still caps at $600/month, and the entry tier caps at just $5
- FX fees vary sharply by region, up to 7% in Argentina
- 0.9% crypto conversion fee in most supported regions (0.5% in Argentina) when spending from crypto
- ATM withdrawals cost 2% after the monthly regional fee-free allowance
- Physical card costs up to $29.99/29.99 USDT in some regions (Australia, Georgia)
- Rewards are issued as Reward Points rather than direct crypto or fiat cashback
- Not available in several major markets; availability varies by country
- In the EEA, non-VIP cardholders get a flat 1% (uncapped) instead of the 2-10% tiers
- Outside the EEA, since 5 October 2026 only crypto-funded purchases earn cashback — fiat-funded spending earns nothing
What sets it apart
- Six-tier rewards system with higher tiers reachable through spending, without VIP status or token staking (outside the EEA)
- 100% merchant rebates in Reward Points on eligible ChatGPT Plus, Claude Pro, Netflix, Spotify, TradingView, Financial Times, Shahid and iQIYI subscriptions from Tier 3, or Tier 2 for VIP clients
- Card and Bybit Pay spending combine toward a single tier threshold
- Pay Later installments can earn an additional 1% cashback from a separate bonus pool with a separate tier-based monthly cap
- Choose up to 3 payment crypto assets with a custom priority order
- Auto Cashback can send redeemed rewards to your Funding Account
Latest news & analysis
Common questions
Where can I use the Bybit Card?
Does the Bybit Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the Bybit Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from Bybit's published card terms and were verified on October 8, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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