Provider comparison
Bybit Card vs Plutus Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
Bybit Card lets you convert and spend crypto for everyday purchases. It is a custodial card that links to you…
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases,…
Effective rewards
Bybit Card
Plutus Card
Reward asset
Bybit Card
Plutus Card
Staking tier
Bybit Card
Plutus Card
Custody
Bybit Card
Plutus Card
Annual fee
Bybit Card
Plutus Card
FX fee
Bybit Card
Plutus Card
ATM fee
Bybit Card
Plutus Card
Conversion spread
Bybit Card
Plutus Card
Network
Bybit Card
Plutus Card
Apple / Google Pay
Bybit Card
Plutus Card
Region availability
Bybit Card
Plutus Card
| Feature | Bybit Card | Plutus Card |
|---|---|---|
| Effective rewards | ~2-4% realistic (advertised up to 10% in points, capped) | 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low |
| Reward asset | Points redeemable to USDT/USDC/BTC/ETH | PLU |
| Staking tier | No token lock; reward tier by VIP/trading volume/balance | Paid plan required (Starter GBP6.99 / Everyday GBP9.99 / Premium GBP19.99); optional PLU stake boosts rate/perks |
| Custody | Custodial | Custodial |
| Annual fee | No annual fee | Subscription-based (see plans) |
| FX fee | Applies (verify by region) | ~2.5% |
| ATM fee | Applies | Verify (limited free allowance) |
| Conversion spread | Exchange conversion at spend | Fund from fiat/crypto; spread on top-up |
| Network | Mastercard/Visa (region-dependent) | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | EEA and select markets (not US/UK) | UK and EEA |
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.
Plutus Card
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases, combining a prepaid debit card with a self-custodial wallet.
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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