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Bybit Card vs Gemini Credit Card

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.

Gemini Credit Card4.2

Gemini Credit Card is a US-only Mastercard World Elite credit card with no annual fee that pays up to 4% back in your choice of over 50 cryptocurrencies on gas, EV charging, and transit.

Verdict: Gemini Credit Card

Gemini Credit Card rates higher on our rubric: 4.2 against 3.4 for Bybit Card.

Criterion
Editorial rating
Bybit Card
3.4
Gemini Credit Card
4.2

Bybit Card and Gemini Credit Card, 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 Gemini Credit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBybit CardGemini Credit Card
Editorial rating3.44.2 (favoured on this row)
IssuerBybitGemini (issued by WebBank)
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 2026.4% back on gas, EV charging, transit, taxis, and rideshare (capped at $300/month combined spend, then 1%), 3% on dining, 2% on groceries, and 1% on everything else, paid in a choice of 50+ cryptocurrencies.
Top reward tier10% cashback (Infinite)1% back (All other purchases)
Reward tiers64
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.$0 annual fee and $0 foreign transaction fee, confirmed on Gemini's own page; variable purchase APR of roughly 16.49% to 34.49%, a cash advance fee of the greater of $10 or 3%, and late/returned payment fees up to $35-$41.
Countries issued in332
Countries both are issued in00
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

Gemini Credit Card

What works

  • No annual fee and no foreign transaction fee, confirmed directly by the issuer
  • Rewards can be chosen from over 50 cryptocurrencies and are credited instantly with no exchange fee
  • Dining (3%) and groceries (2%) rewards are uncapped, unlike the 4% category
  • Four co-branded editions (Standard, Bitcoin, Solana, XRP) let cardholders default rewards to a preferred asset, with Solana auto-staking for extra yield

What to watch

  • The headline 4% category caps at just $300 of combined monthly spend, dropping to 1% immediately after
  • Available only to US residents in the 50 states plus Puerto Rico, with no international rollout
  • Variable purchase APR can run as high as roughly 34.49% for lower-credit applicants
  • Grocery rewards exclude several major retailers (Costco, Sam's Club, Walmart) based on merchant category code

Frequently asked questions

Is Bybit Card or Gemini Credit Card better?

Gemini Credit Card rates higher on our rubric: 4.2 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 Gemini Credit Card?

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.. Gemini Credit Card: 4% back on gas, EV charging, transit, taxis, and rideshare (capped at $300/month combined spend, then 1%), 3% on dining, 2% on groceries, and 1% on everything else, paid in a choice of 50+ cryptocurrencies.. 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 Gemini Credit Card?

Both are issued in no country we track, on each issuer's own eligibility page. Bybit Card is issued in 33 countries we track and Gemini Credit Card in 2.

The full reviews: Bybit Card and Gemini Credit Card, each with its sources, and every crypto card we review.

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