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 rewards start with a €3.99-a-month subscription, capped at the first $750 of monthly spending; Bybit pays a flat 1% to most users with no subscription.
| Feature | Crypto.com Visa | Bybit Card EU |
|---|---|---|
| Our score | 7.2 / 10 | 7.8 / 10 |
| Card type | Prepaid | Debit |
| Custody | Custodial | Custodial |
| Cashback | 0% free · 1.5–4.5% paid plans | 1% flat (2–10% VIP) |
| Paid in | CRO / BTC | BTC / USDC |
| Annual fee | Free · Plus €3.99/mo | $0 |
| FX fee | 0.2% EU/UK · 2% other (free) | 0.5% + 0.9% conv. |
| Availability | EEA | EEA excl. Malta |
| Net value, eurozone* | −€4/yr | +€171/yr |
| Net value, Romania* | −€31/yr | +€103/yr |
*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 | −€1 | +€57 |
| Eurozone, 10% foreign · €1,500/mo | −€4 | +€171 |
| Eurozone, 10% foreign · €3,000/mo | −€7 | +€342 |
| Romania, 85% foreign · €500/mo | −€10 | +€35 |
| Romania, 85% foreign · €1,500/mo | −€31 | +€103 |
| Romania, 85% foreign · €3,000/mo | −€61 | +€207 |
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 and charges 0.2% on non-euro purchases in the EU and UK. Rewards start with Plus at €3.99 a month (1.5% in CRO on the first $750 of monthly spending) and Pro at €24.99 a month (2.5% on the first $1,500); the 3.5% and 4.5% Private tiers need a 12-month CRO stake from €45,000. 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 counts free tiers only, so Crypto.com earns nothing and pays 0.2% on foreign spending, and Bybit’s 1% wins every row. Even paid, Crypto.com trails at €1,500 a month: Plus keeps about €75 a year after its fee and Pro about €143, against Bybit’s €171 funded from euros. Bybit EU, since October 2026, is available in every EEA country except Malta. Crypto.com is offered across the EEA 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 are happy to pay a monthly plan for them.
Choose Bybit if…
you want 1% with no subscription, and keep euros on the exchange to spend.