Head to head
Crypto.com Visa vs Bybit Card EU
Two big exchange cards that both moved rewards behind conditions. Crypto.com’s free tier now earns nothing and higher tiers need a subscription and a 12-month CRO stake; Bybit pays a flat 1% to most users with no stake.
| Feature | Crypto.com Visa | Bybit Card EU |
|---|---|---|
| Our score | 7.2 / 10 | 7.8 / 10 |
| Card type | Prepaid | Debit |
| Custody | Custodial | Custodial |
| Cashback | 0–5% via Level Up | 1% flat (2–10% VIP) |
| Paid in | CRO | BTC / USDC |
| Annual fee | Subscription + CRO stake | $0 |
| FX fee | 0% upper tiers | 0.5% + 0.9% conv. |
| Availability | 40+ EEA countries | EEA excl. RO, IE, HR, NO |
| Net value, eurozone* | €0/yr | +€171/yr |
| Net value, Romania* | €0/yr | Not available |
*At €1,500 a month with a typical foreign-currency share for each place (10% in the eurozone, 85% in Romania, where local lei spending counts as foreign currency). Run your own numbers.
Who wins at €500, €1,500 and €3,000 a month
Net value per year from the same calculator that powers the country pages: cashback minus FX, conversion and annual fees, with €1,000 kept on the platform for balance-based cards. Category bonuses and promotions are not counted.
| Scenario | Crypto.com Visa | Bybit Card EU |
|---|---|---|
| Eurozone, 10% foreign · €500/mo | €0 | +€57 |
| Eurozone, 10% foreign · €1,500/mo | €0 | +€171 |
| Eurozone, 10% foreign · €3,000/mo | €0 | +€342 |
| Romania, 85% foreign · €500/mo | €0 | n/a |
| Romania, 85% foreign · €1,500/mo | €0 | n/a |
| Romania, 85% foreign · €3,000/mo | €0 | n/a |
Where the difference comes from
Two large exchange cards that have both moved rewards behind conditions, in different ways. Crypto.com’s free Level Up tier earns nothing; rewards up to 5% in CRO need a paid subscription and a 12-month CRO stake, and FX fees are waived only on the upper tiers. Bybit pays a flat 1% in BTC or USDC to everyone outside VIP, with no subscription and no stake, but charges 0.5% FX and a conversion fee on crypto-funded spending.
The calculator gives Crypto.com zero at every level because the free tier pays nothing, and it does not model the paid tiers since their value depends on CRO’s price over a year of lock-up. Bybit’s 1% therefore wins every row where it is available, and it is not available in Romania, Ireland, Croatia or Norway. Crypto.com is offered across 40-plus EEA countries and holds Maltese e-money and MiCA licences; Bybit EU is licensed in Austria. Pick Crypto.com only if you want its lifestyle perks and accept a year of token exposure.
Choose Crypto.com if…
you use the lifestyle perks and accept a year of CRO exposure.
Choose Bybit if…
you want 1% with no subscription or token lock-up.