Bybit Card vs Nexo Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (6.6 vs 6.1 out of 10).
- Bybit Card is clearly stronger on: Cashback & rewards, FX & international.
- Nexo Card is clearly stronger on: Fees, Credit & financing, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, FX & international
Nexo Card is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Credit & financing, Limits & ATM
Score by criterion
| Criterion | Bybit Card | Nexo Card |
|---|---|---|
| Fees | 76 | 100 |
| Cashback & rewards | 48 | 8 |
| Availability | 100 | 100 |
| FX & international | 80 | 20 |
| Product features | – | – |
| Custody & security | – | – |
| Credit & financing | 30 | 85 |
| Limits & ATM | 62 | 80 |
| Transparency | 79 | 86 |
| Best for Cashback | 6.1 | 4.3 |
| Best for Travel | 7.2 | 5.4 |
| Best for DeFi Users | 5.3 | 5.5 |
| Best for High Spenders | 5.8 | 4.5 |
| Best for Low Fees | 7.6 | 7.5 |
| Best for Beginners | 6.8 | 7.1 |
| Best Crypto Credit Card | n/a | 7.2 |
Product
Product status
ActiveShow source
Product status: Active
Source: How to get started with Bybit Card on Bybit EU
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source: Bybit Crypto Debit Card: How It Works
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto-backed credit, Debit card*Show source
Card type: Crypto-backed credit, Debit card
Switch mode per payment
Source states (paraphrased): Dual-mode card: Credit Mode (borrow against crypto) and Debit Mode (spend crypto directly).
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Switch mode per payment
Network
MastercardShow source
Network: Mastercard
Source: Bybit Crypto Debit Card: How It Works
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card fee
€5*Show source
Physical card fee: €5
Issuance fee, payable in EUR or USDT
Source states (paraphrased): 5 EUR/USDT issuance fee for the Bybit Physical Card.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Issuance fee, payable in EUR or USDT
FX fee
0.5%*Show source
FX fee: 0.5%
Marketing pages claim 0%
Source states (paraphrased): Foreign exchange fees of 0.5%.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Marketing pages claim 0%
2%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Crypto conversion fee
0.9%*Show source
Crypto conversion fee: 0.9%
On top of the spot rate
Source states (paraphrased): Crypto conversion fee of 0.9% on top of the spot rate.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
On top of the spot rate
ATM fee
2% (min. $1)*Show source
ATM fee: 2% (min. $1)
On monthly withdrawals above €100 (EEA)
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
On monthly withdrawals above €100 (EEA)
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After the free monthly allowance
Free ATM allowance
€100/month*Show source
Free ATM allowance: €100/month
EEA
Source states (paraphrased): 2% ATM fee applies only to monthly amounts above 100 EUR in the EEA.
Source: How to Order and Activate Your Bybit Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
EEA
€2,000/month*Show source
Free ATM allowance: €2,000/month
Up to; top loyalty tier, lower tiers get less
Source states (paraphrased): Top tier: free ATM withdrawals up to €2,000 / £1,800 per month.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; top loyalty tier, lower tiers get less
Other fees & markups
Weekend FX surcharge on top of weekday FX ratesShow source
Other fees & markups: Weekend FX surcharge on top of weekday FX rates
Source states (paraphrased): Higher FX rates apply on weekends.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Non-VIP users, no monthly cap
Source states (paraphrased): Non-VIP users earn 1% flat cashback on all eligible transactions, no monthly cap.
Source: How to get started with Bybit Card on Bybit EU
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-VIP users, no monthly cap
Max cashback
10%*Show source
Max cashback: 10%
Up to; marketing claim, tier based on total Bybit portfolio value
Source: Bybit Card Countries: Availability 2026
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 40%
Up to; marketing claim, tier based on total Bybit portfolio value
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; Credit Mode only, depends on loyalty tier
Cashback paid in
NEXO or BTCShow source
Cashback paid in: NEXO or BTC
Source states (paraphrased): Cashback paid in NEXO Tokens or Bitcoin.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Staking / holding required for top rewards
No*Show source
Staking / holding required for top rewards: No
Tiers depend on portfolio value instead
Source states (paraphrased): Cashback tiers based on total Bybit portfolio value with no staking or lock-up requirement.
Source: Bybit Card Countries: Availability 2026
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Tiers depend on portfolio value instead
Minimum balance
$5,000*Show source
Minimum balance: $5,000
Digital-asset balance required to earn cashback
Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Digital-asset balance required to earn cashback
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Bybit Crypto Debit Card: How It Works
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Credit Mode borrows against your crypto.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend own balance directly
Yes*Show source
Spend own balance directly: Yes
Debit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Debit Mode
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit Mode
Availability
Available in
EEA, Switzerland*Show source
Available in: EEA, Switzerland
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
Source: How to get started with Bybit Card on Bybit EU
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 40%
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
EEA, United Kingdom, Argentina*Show source
Available in: EEA, United Kingdom, Argentina
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Inferred from Nexo's regional card pages (EEA incl. UK pricing, Argentina)
Not available in
United StatesShow source
Not available in: United States
Source: Bybit Card Countries: Availability 2026
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Bybit Card
- Annual & monthly feesunknown
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual valuenot enough data
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers