Bybit Card vs Gemini Credit Card
Crypto native
Crypto native
Verdict
- Bybit Card scores higher overall (7.2 vs 6.0 out of 10).
- Bybit Card is clearly stronger on: Cashback & rewards, Availability, Limits & ATM.
- Gemini Credit Card is clearly stronger on: Fees, FX & international, Credit & financing, Transparency.
- For 1,500 EUR/month of spend, Bybit Card comes out about 237 EUR a year ahead on base-tier terms.
Bybit Card is a good fit for
- Frequent travellers
Stronger on: Cashback & rewards, Availability, Limits & ATM
Gemini Credit Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Fees, FX & international, Credit & financing, Transparency
★ 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 | Bybit Card | Gemini Credit Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | 48 | 30 |
| Availability | 100 | 3 |
| FX & international | 80 | 100 |
| Product features | – | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 70 |
| Limits & ATM | 62 | 11 |
| Transparency | 86 | 100 |
| Best for Cashback | 6.5 | 4.8 |
| Best for Travel | 7.5 | 6.7 |
| Best for DeFi Users | 6.3 | 7.1 |
| Best for High Spenders | 6.0 | 5.9 |
| Best for Low Fees | 8.2 | 8.7 |
| Best for Beginners | 7.5 | 6.8 |
| Best Crypto Credit Card | n/a | 7.2 |
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 cardShow source
Credit cardShow source
Network
MastercardShow source
MastercardConditions apply: tap or hover for detailsShow source
Mastercard World Elite
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialConditions apply: tap or hover for detailsShow source
Crypto rewards are deposited into the Gemini account
Card issuer / program manager
Harmoniie SAS, partnering with Moorwand Ltd (Mastercard licence held by Moorwand Ltd)Show source
WebBankShow 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
FreeShow source
Physical card fee
€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%
0%Show source
Crypto conversion fee
0.9%Conditions apply: tap or hover for detailsShow source
On top of the spot rate
ATM fee
2% (min. $1)Conditions apply: tap or hover for detailsShow source
On monthly withdrawals above €100 (EEA)
3% (min. $10)Conditions apply: tap or hover for detailsShow source
Cash advance: $10 or 3%, whichever is greater; cash advance APR 29.74% from the transaction date
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
EEA
Other fees & markups
Late payment up to $35 · Returned payment up to $35 · Penalty APR 33.74% variableShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Non-VIP users, no monthly cap
1%Conditions apply: tap or hover for detailsShow source
Everything else; 2% groceries, 3% dining
Max cashback
10%Conditions apply: tap or hover for detailsShow source
Up to; marketing claim, tier based on total Bybit portfolio value
4%Conditions apply: tap or hover for detailsShow source
Gas, EV charging and transit, on up to $300 spend a month (then 1%)
Cashback paid in
Eligible digital asset selected by the cardholder; bitcoin by defaultConditions apply: tap or hover for detailsShow source
Cardholder picks from Gemini's list of eligible digital assets and can change the election at any time
Cashback type
CryptoShow source
Cashback-eligible spend cap
$300/monthConditions apply: tap or hover for detailsShow source
Per month, applies to the 4% gas/EV/transit category only (then 1%); spend cycle refreshes on the 1st of each calendar month
Cashback conditions
4% only on the first $300 of gas/EV/transit spend each month, then 1% · 3% dining, 2% groceries, 1% everything else · Spend cycle refreshes on the 1st of each calendar month · Rewards are deposited when the transaction posts; some exclusions apply to instant rewards · 10% Vault Rewards at selected merchants on a limited monthly spend that varies by merchant offerShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Tiers depend on portfolio value instead
Reward exclusions
ATM transactions · Card account fees · Interest charges · Cash advances · Gift cards, prepaid debit cards, traveler's checks, precious metals, casino chips, cryptocurrency, lottery tickets and other cash equivalents · Balance transfers · Credit card convenience checks · Reloading prepaid cards · Gaming-related transactionsConditions apply: tap or hover for detailsShow source
Full list in the Qualifying Purchase Transaction definition; Gemini Constellation may add exclusions at any time
Credit & financing
Credit line
NoShow source
YesConditions apply: tap or hover for detailsShow source
Subject to credit approval
Credit type
Revolving creditShow source
Interest (APR)
16.74%Conditions apply: tap or hover for detailsShow source
16.74% to 34.74% variable purchase APR based on creditworthiness (Prime Rate 7.00% on 25 Sep 2026)
Grace period
Payment due at least 25 days after each billing cycle closes; no interest on purchases when the full balance is paid by the due dateShow source
Availability
Available in
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Select EEA countries; Bybit pages conflict on which EEA countries are excluded
United StatesConditions apply: tap or hover for detailsShow source
US residents only, at application and while the account is open
Not available in
United StatesShow source
Features
Physical card
YesShow source
Virtual card
YesShow source
Security & custody
Regulation / licences
Harmoniie SAS: e-money and payment services authorised by the ACPR (Banque de France), CIB 17478, passported in the EEAShow source
Gemini Trust Company, LLC NMLS #1518126 · Gemini Moonbase, LLC NMLS #2403509Conditions apply: tap or hover for detailsShow source
Entities offering the rewards program; card issued by WebBank
Annual cost at 1,500 EUR/month
Bybit Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value162 EUR
Gemini Credit Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−107 EUR
- Cashback+32 EUR
- Net annual value-75 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers