Bybit Card vs KuCoin Card (KuCard)

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

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.

KuCoin Card (KuCard)2.7

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

Verdict: Bybit Card

Bybit Card rates higher on our rubric: 3.4 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
Bybit Card: 3.4
KuCoin Card (KuCard): 2.7

Bybit Card and KuCoin Card (KuCard), 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 KuCoin Card (KuCard) compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Bybit Card	KuCoin Card (KuCard)
Editorial rating	3.4 (favoured on this row)	2.7
Issuer	Bybit	KuCoin
Cashback	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.	New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.
Top reward tier	10% cashback (Infinite)	3% cashback (VIP 11-12)
Reward tiers	6	7
Fees	No 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.	New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.
Countries issued in	33	1
Countries both are issued in	0	0
Last reviewed	2026-08-25	2026-08-25

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

KuCoin Card (KuCard)

What works

Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token

What to watch

KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month

Frequently asked questions

Is Bybit Card or KuCoin Card (KuCard) better?

Bybit Card rates higher on our rubric: 3.4 against 2.7 for KuCoin Card (KuCard). 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 KuCoin Card (KuCard)?

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.. KuCoin Card (KuCard): New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.. 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 KuCoin Card (KuCard)?

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 KuCoin Card (KuCard) in 1.

The full reviews: Bybit Card and KuCoin Card (KuCard), each with its sources, and every crypto card we review.

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