Provider comparison
BitPay Card vs Bybit Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypt…
Bybit Card lets you convert and spend crypto for everyday purchases. It is a custodial card that links to you…
Effective rewards
BitPay Card
Bybit Card
Reward asset
BitPay Card
Bybit Card
Staking tier
BitPay Card
Bybit Card
Custody
BitPay Card
Bybit Card
Annual fee
BitPay Card
Bybit Card
FX fee
BitPay Card
Bybit Card
ATM fee
BitPay Card
Bybit Card
Conversion spread
BitPay Card
Bybit Card
Network
BitPay Card
Bybit Card
Apple / Google Pay
BitPay Card
Bybit Card
Region availability
BitPay Card
Bybit Card
| Feature | BitPay Card | Bybit Card |
|---|---|---|
| Effective rewards | No base reward on everyday spend | ~2-4% realistic (advertised up to 10% in points, capped) |
| Reward asset | None (occasional promos) | Points redeemable to USDT/USDC/BTC/ETH |
| Staking tier | No token lock; reward tier by VIP/trading volume/balance | |
| Custody | Custodial | Custodial |
| Annual fee | $0 stated | No annual fee |
| FX fee | ~3% foreign transaction fee (poor for travel) | Applies (verify by region) |
| ATM fee | Applies | Applies |
| Conversion spread | BitPay conversion rate on load | Exchange conversion at spend |
| Network | Mastercard | Mastercard/Visa (region-dependent) |
| Apple / Google Pay | Yes | Yes |
| Region availability | United States only; new applications paused (waitlist) | EEA and select markets (not US/UK) |
BitPay Card
The BitPay Card lets you spend supported cryptocurrencies at any merchant that accepts Visa, converting crypto to fiat at the point of sale. It is a custodial prepaid card issued by BitPay, designed for users who want to use their digital assets for everyday purchases.
Bybit Card
Bybit Card lets you convert and spend crypto for everyday purchases. It is a custodial card that links to your Bybit account, offering convenience for active traders.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
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