Bitstack Card vs Bybit Card
Crypto enabled
Crypto native
Verdict
- Bybit Card scores higher overall (7.2 vs 5.5 out of 10).
- Bitstack Card is clearly stronger on: Limits & ATM, Transparency.
- Bybit Card is clearly stronger on: Cashback & rewards, Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitstack Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Limits & ATM, Transparency
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, Availability
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitstack Card | Bybit Card |
|---|---|---|
| Fees | 97 | 88 |
| Cashback & rewards | 22 | 48 |
| Availability | 3 | 100 |
| FX & international | – | 80 |
| Product features | 70 | – |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 84 | 62 |
| Transparency | 100 | 86 |
| Best for Cashback | 4.5 | 6.5 |
| Best for Travel | 5.9 | 7.5 |
| Best for DeFi Users | n/a | 6.3 |
| Best for High Spenders | 5.1 | 6.0 |
| Best for Low Fees | 8.4 | 8.2 |
| Best for Beginners | 6.7 | 7.5 |
| Best E-Money Card | 7.0 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardConditions apply: tap or hover for detailsShow source
Card linked to the euro cash account
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
Tiers / plans
Standard · PlusShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No application or annual fee; other fees such as exchange fees may apply
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard; Plus €2.99/month or €29.99/year
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Standard, plus delivery; Plus: free delivery, annual Plus: free
€5Conditions apply: tap or hover for detailsShow source
Issuance fee, payable in EUR or USDT
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Marketing pages claim 0%
Crypto conversion fee
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
ATM fee
1%Conditions apply: tap or hover for detailsShow source
Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal
2% (min. $1)Conditions apply: tap or hover for detailsShow source
On monthly withdrawals above €100 (EEA)
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Or 5 withdrawals per month
€100/monthConditions apply: tap or hover for detailsShow source
EEA
Other fees & markups
Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Up to; Standard plan, eligibility conditions and caps apply
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
Max cashback
1.5%Conditions apply: tap or hover for detailsShow source
Up to; Plus plan (€2.99/month)
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
Cashback conditions
Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
FranceShow source
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
Not available in
United StatesShow source
Account / spend currencies
EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
French IBAN
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
ATM withdrawals
YesShow source
Limits
Spending limit
€1,000Conditions apply: tap or hover for detailsShow source
Per month for international payments on Standard; €3,000 on Plus
Security & custody
Regulation / licences
CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
Harmoniie SAS: e-money and payment services authorised by the ACPR (Banque de France), CIB 17478, passported in the EEAShow source
Annual cost at 1,500 EUR/month
Bitstack Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual valuenot enough data
Bybit Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value162 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers