Bybit Card
Moorwand / Harmoniie · Mastercard
Notable for honesty a US reader will not find at home: Bybit states its conversion fee (0.9%) and its FX markup (0.5%) outright, which is more than the US market leader manages.
About Bybit
The Bybit Card is notable for a kind of honesty that the US market leaders do not offer: it states its conversion fee of 0.9% and its FX markup of 0.5% outright, rather than folding both into a rate and letting the customer discover them at the statement. Those are real costs and they are not small — together they mean spending crypto abroad through this card costs about 1.4% before any reward — and knowing them in advance is exactly what lets a user decide. It is not available to US persons, so its value to an American reader is as a disclosure benchmark rather than an option.
Our verdict
Notable for honesty a US reader will not find at home: Bybit states its conversion fee (0.9%) and its FX markup (0.5%) outright, which is more than the US market leader manages.
Its "up to 10%" is gated by 30-day trading volume — a treadmill of its own, since you pay trading fees to unlock cashback — and it is not available in the United States.
Strengths & trade-offs
What works
Notable for honesty a US reader will not find at home: Bybit states its conversion fee (0.9%) and its FX markup (0.5%) outright, which is more than the US market leader manages.
Where it loses points
Its "up to 10%" is gated by 30-day trading volume — a treadmill of its own, since you pay trading fees to unlock cashback — and it is not available in the United States.
Evidence
Bybit Card FAQ
What does it cost to spend crypto on the Bybit Card?
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0.9% conversion plus 0.5% FX markup where applicable, both stated by Bybit rather than hidden in the rate — about 1.4% all in on a foreign-currency purchase funded from crypto. Compare that against the reward rate before assuming a crypto card is earning you money.
US residents, and anyone who would end up churning trades to chase the top rate.
The rest of the crypto cards ranking
Same criteria, same weights, same measurement run — this is what Bybit Card is being compared against.