The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
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by the cryptodebitcards editorial desk · review version 2 · prose updated 2026-09-18 · facts as of 2026-09-18 · how we verify
The Bybit Card is a debit card offered by Bybit, a derivatives exchange founded in 2018, operating on the Mastercard network. It is available in both physical and virtual form factors, primarily targeting users outside the European Economic Area. This card is suited for individuals seeking a crypto-funded debit card with rewards.
The Bybit Card has no monthly fees, and virtual card issuance is free in supported regions. However, detailed fee schedules for top-ups, FX, and ATM transactions are not readily available and require verification through the app or help center. There are no annual fees advertised, and available card balances automatically earn interest.
The Bybit Card requires full exchange KYC, including identity verification and proof of address in supported regions, before application. The ordering process involves completing the exchange's KYC process, and physical card shipping times vary by region.
The card natively supports USDT and allows conversion from other cryptocurrencies like BTC, ETH, USDC, XRP, SOL, and other exchange-listed assets. There is no documented minimum top-up amount. Card funding is primarily done through the Bybit Funding wallet, with available balances earning interest.
The Bybit Card offers an advertised 2%-10% cashback in USDT on everyday spending, with higher tiers unlockable based on monthly spend. Additionally, it provides 100% cashback on selected subscriptions. New users can receive up to 110 USDT in cashback within the first 30 days as part of the welcome package.
Bybit, the operator, is a well-established derivatives exchange with a significant user base. However, it experienced a major incident in February 2025, with approximately $1.4 billion in ETH stolen from a cold wallet, attributed to the Lazarus Group. Bybit covered the losses and continued operations. There are no card-program-specific incidents documented, and the operator has a positive sentiment on its official landing page.
The Bybit Card offers aggressive rewards, including 2-10% USDT cashback tiers and 100% rebates on popular subscriptions, making it a viable option for those seeking a crypto-funded debit card with incentives. However, it requires full exchange KYC and is not available in the EEA. Users should be aware of the platform's history and the risks associated with custodial models.
| Issuance | Free virtual card issuance in supported regions (physical card availability varies) |
|---|---|
| Monthly | none |
| Fine print | No annual fees advertised; auto-interest on available card balance. Detailed FX/ATM fee schedule requires app-level or help-center verification (landing page lists fees in FAQ but content is JS-loaded) |
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Based on our checks as of 2026-09-18: Bybit Card scores 6.4/10 in our weighted review. We logged no red flags. User reports and the operator background are documented with dated sources in the meta-review below.
Yes, full exchange KYC is required.
Detailed fee schedules are not readily available.
USDT is natively supported, with conversion options from other cryptocurrencies.
Yes, with advertised rates of 2%-10% in USDT.
APAC, MENA, LATAM, and globally, excluding the European Economic Area.
Bybit is a well-established exchange, but it has experienced a significant security incident in the past.
Both physical and virtual cards are available.
The safest pair of hands in the comparison: NASDAQ-listed issuer context, FDIC-member bank card, zero fees on USD/USDC spending and no staking requirement. The trade-offs: US-only (no Hawaii), rewards rates are variable in-app only, and non-USDC crypto spends trigger auto-sell with spread and taxes.
The most generous crypto-rewards credit card in the US market - up to 6% back in BTC or CRO with no annual fee - but the best rates require CRO staking or a Level Up subscription, BTC earn is capped by tier, and it is credit (with bureau approval), not a debit card you can top up with crypto.
The most mature crypto prepaid card in the US - FDIC-member bank issued, $25k/month top-ups and clean tier structure - but the free tier earns nothing, real cashback requires a subscription or five-to-six-figure CRO stakes, and rewards are paid in volatile CRO.
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