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Bybit Card vs ether.fi Cash

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
Bybit Card3.4

Bybit Card is a family of regional Mastercard debit programmes paying 2 to 10 percent cashback in Bybit points, with EEA cardholders moving to a flat 1 percent for ordinary users in 2026.

ether.fi Cash3.5

ether.fi Cash is a self-custodial Visa credit card that pays 3% cashback on the first $2,000 to $50,000 of monthly spend depending on membership tier, stepping down to 1% and 0.5% above that band.

Verdict: ether.fi Cash

ether.fi Cash rates higher on our rubric: 3.5 against 3.4 for Bybit Card.

Criterion
Editorial rating
Bybit Card
3.4
ether.fi Cash
3.5

Bybit Card and ether.fi Cash, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bybit Card and ether.fi Cash compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBybit Cardether.fi Cash
Editorial rating3.43.5 (favoured on this row)
IssuerBybitether.fi
Cashback2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.
Top reward tier10% cashback (Infinite)1% flat, no banding (Business)
Reward tiers65
FeesNo annual or inactivity fee anywhere; EEA/Switzerland FX runs 0.5% and crypto conversion 0.9%, but non-European regions range from 1% (Australia) to as high as 7% (Argentina) in FX fees, plus a 2% ATM fee above a small free monthly allowance.No annual fee at any tier; FX runs roughly 1% base rate plus a tier margin of 0-0.5% (Core) down to 0% (Pinnacle/VIP); ATM withdrawals cost 2% per transaction, capped at $500 with 3 attempts per 24 hours.
Countries issued in3382
Countries both are issued in2828
Last reviewed2026-08-252026-08-25

Pros and cons, side by side

Bybit Card

What works

  • No annual, monthly, or inactivity fee across every regional program
  • Cashback can reach 10% at the top VIP tier, higher than most competitors in this batch
  • Free virtual card issuance everywhere, with a roughly 5 EUR/USD physical card fee
  • EEA cardholders without VIP status now earn an uncapped flat 1% instead of a capped tiered rate

What to watch

  • Not one unified product: fees and terms differ sharply by region, and Argentina's FX fee runs as high as 7% plus a temporary padding hold
  • Turkey gets a virtual card only, with no physical card available
  • Reaching the top 8-10% cashback tiers requires Supreme VIP exchange status or very large monthly card spend ($12,500-$25,000)
  • Not available in the US, Canada, China, Japan, South Korea, Singapore or Australia

ether.fi Cash

What works

  • Fully non-custodial, spending against a self-held crypto vault rather than a custodial balance
  • No annual fee at any of the four membership tiers
  • Higher tiers reduce or eliminate the FX margin entirely, down to 0% at Pinnacle and VIP
  • 3% cashback band scales up to $50,000 of monthly spend at the Pinnacle tier

What to watch

  • Cashback is banded, not flat: heavy spenders on lower tiers fall to just 0.5% once they exceed their tier's spend cap
  • ATM access is tightly capped at $500 per withdrawal and 3 attempts per 24 hours, limiting practical cash access to about $1,500/day
  • Physical card issuance costs $50-$100 depending on tier, unlike most competitors' free physical cards
  • Sources disagree on the exact reward asset (SCR/SCRL, wETH, or USDC across different documentation), so the payout token should be confirmed in-app before relying on it

Frequently asked questions

Is Bybit Card or ether.fi Cash better?

ether.fi Cash rates higher on our rubric: 3.5 against 3.4 for Bybit Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bybit Card or ether.fi Cash?

Bybit Card: 2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.. ether.fi Cash: 3% cashback on the first $2,000 (Core), $10,000 (Luxe), or $50,000 (Pinnacle) of monthly spend, stepping down to 1% then 0.5% beyond that band; invitation-only VIP pays 4% on its first $50,000.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bybit Card and ether.fi Cash?

Both are issued in 28 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Bybit Card is issued in 33 countries we track and ether.fi Cash in 82.

The full reviews: Bybit Card and ether.fi Cash, each with its sources, and every crypto card we review.

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