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Bybit Card vs Wirex 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.

Wirex Card3.0

Wirex Card is a multi-region Visa/Mastercard debit card offering 0.5% to 8% Cryptoback rewards in WXT, with the top rate gated behind a paid plan and a 7.5 million WXT lockup.

Verdict: Bybit Card

Bybit Card rates higher on our rubric: 3.4 against 3.0 for Wirex Card.

Criterion
Editorial rating
Bybit Card
3.4
Wirex Card
3.0

Bybit Card and Wirex 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 Wirex Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBybit CardWirex Card
Editorial rating3.4 (favoured on this row)3.0
IssuerBybitWirex Limited (UK, FCA-regulated EMI) / Wirex UAB (Lithuania, EEA passporting)
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.Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.
Top reward tier10% cashback (Infinite)8% Cryptoback (Elite Ultimate)
Reward tiers68
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% FX markup advertised on ordinary fiat card spending across all tiers, a roughly 0.5-1.5% crypto-to-fiat conversion spread, and free monthly ATM withdrawals up to a tier- and region-specific allowance before a 2% fee applies.
Countries issued in3335
Countries both are issued in2828
Last reviewed2026-08-252026-08-24

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

Wirex Card

What works

  • No issuance fee for virtual or physical cards on any tier
  • 0% advertised FX markup on fiat card spending across all subscription tiers
  • Free Standard tier still earns 0.5% Cryptoback with no subscription required
  • Wide country coverage across Europe, Asia-Pacific, and Latin America

What to watch

  • The advertised 8% cashback requires both a €29.99/month subscription and locking 7.5 million WXT for 180 days
  • Rewards are paid in WXT, Wirex's own token, so their fiat value floats after crediting
  • Crypto-to-fiat conversion carries a separate spread of roughly 0.5-1.5% not included in the 0% FX headline
  • An inactivity fee of roughly €5/month applies to dormant fiat balances after extended non-use

Frequently asked questions

Is Bybit Card or Wirex Card better?

Bybit Card rates higher on our rubric: 3.4 against 3.0 for Wirex 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 Wirex 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.. Wirex Card: Cryptoback in WXT ranges 0.5% on the free Standard plan up to 8% on the Elite Ultimate plan, which requires a €29.99/month subscription plus 7.5 million WXT locked for 180 days.. 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 Wirex Card?

Both are issued in 28 countries, including Austria, Belgium, Bulgaria, Cyprus, Czech Republic, on each issuer's own eligibility page. Bybit Card is issued in 33 countries we track and Wirex Card in 35.

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

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