Bybit Card vs Gemini Credit Card

How Bybit Card vs Gemini Credit Card compare on our ratings, crypto card specs, funding, pros and cons.

Feature
Ratings
Our score3.3/53.7/5
User ratingNo reviews yetNo reviews yet
Fees3.54.5
Rewards & cashback4.03.5
Availability2.52.5
App & experience3.54.0
Trust & security3.04.0
Fees & features
Card typeDebitCredit
Card networkMastercardMastercard
Card formatVirtual, PhysicalPhysical, Virtual
CustodyCustodialCustodial
KYC requiredNot disclosed Yes
Business cardNot disclosed No
Max cashback10%4%
Rewards paid inUSDTBitcoin or 50+ cryptocurrencies
Staking needed for top rewardsNot disclosed No
Welcome bonusEarn up to 110 USDT cashback in the first 30 daysNot disclosed
Monthly feeFreeFree
Annual feeFreeFree
Foreign exchange fee0%0%
ATM withdrawals2%, minimum $1Not disclosed
Daily spending limitUp to $10,000Not disclosed
ATM withdrawal limitUp to $500 per dayNot disclosed
Available inUnited Kingdom, Asia-Pacific, Middle EastUnited States
Not available inEuropean Economic AreaNot disclosed
Spendable assetsCrypto assets, USDTBTC, SOL, XRP
Card currenciesNot disclosedUSD
Spend stablecoins Yes No
Good forNot disclosedEveryday spending, Travel, Online shopping
Perks2%–10% cashback on eligible crypto spending, 100% cashback on eligible subscriptions, 24/7 fraud monitoring, Two-factor authentication, Instant card controlsMastercard World Elite, No foreign transaction fees, Instant rewards deposit
Card issuerNot disclosedWebBank
Referral program Yes Yes
Company
Founded—2014
Headquarters—United States
InvestorsNot disclosedNot disclosed
Strengths and weaknesses
Pros
  • Up to 10% cashback on eligible crypto-funded purchases
  • 0% stated foreign transaction fee
  • Daily spending limit reaches $10,000
  • Virtual and physical card formats
  • No annual fee and zero foreign transaction fees
  • Up to 4% rewards paid in choice of over 50 cryptocurrencies
  • No token staking or balance lock-ups required for reward tiers
  • Rewards deposit automatically without manual claim steps
Cons
  • Custodial balance depends on Bybit account access
  • EEA customers are currently excluded
  • ATM withdrawals cost 2%, minimum $1
  • Fiat-funded spending earns no cashback
  • Top 4% tier limited to $300 in monthly spend
  • Available only to United States residents with credit approval
  • Custodial reward payout requires holding assets on Gemini
  • Revolving credit model subject to standard interest rates on balances
Best forEligible non-EEA residents, Crypto-funded everyday spending, Online Mastercard paymentsUS credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekers

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