Bybit Card vs Kraken Card
How Bybit Card vs Kraken Card compare on our ratings, crypto card specs, funding, pros and cons.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 3.3/5 | 3.8/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 3.5 | 4.5 |
| Rewards & cashback | 4.0 | 4.0 |
| Availability | 2.5 | 3.0 |
| App & experience | 3.5 | 4.0 |
| Trust & security | 3.0 | 3.5 |
| Fees & features | ||
| Card type | Debit | Debit |
| Card network | Mastercard | Mastercard |
| Card format | Virtual, Physical | Virtual |
| Custody | Custodial | Custodial |
| Max cashback | 10% | 2% |
| Rewards paid in | USDT | BTC or EUR |
| Staking needed for top rewards | Not disclosed | No |
| Welcome bonus | Earn up to 110 USDT cashback in the first 30 days | New cardholders receive Max tier for 30 days, with 2% cashback. |
| Card issuance fee | Not disclosed | Free |
| Monthly fee | Free | Free |
| Annual fee | Free | Free |
| Foreign exchange fee | 0% | 0% |
| Crypto conversion spread | Not disclosed | Variable spread applies when spending across assets |
| ATM withdrawals | 2%, minimum $1 | No ATM withdrawal fee from Kraken; third-party ATM fees may apply |
| Daily spending limit | Up to $10,000 | Not disclosed |
| ATM withdrawal limit | Up to $500 per day | Not disclosed |
| Available in | United Kingdom, Asia-Pacific, Middle East | Europe (EEA), United Kingdom, United States |
| Not available in | European Economic Area | Not disclosed |
| Spendable assets | Crypto assets, USDT | 600+ cryptocurrencies, Cash |
| Card currencies | Not disclosed | EUR |
| Spend stablecoins | Yes | Not disclosed |
| Apple Pay | Not disclosed | Yes |
| Google Pay | Not disclosed | Yes |
| Good for | Not disclosed | Everyday spending, Travel, Online shopping, Subscriptions & AI tools |
| Perks | 2%–10% cashback on eligible crypto spending, 100% cashback on eligible subscriptions, 24/7 fraud monitoring, Two-factor authentication, Instant card controls | Up to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications |
| Card issuer | Not disclosed | UAB Monavate |
| Virtual card fee | Not disclosed | Free |
| Referral program | Yes | Not disclosed |
| Company | ||
| Founded | — | 2011 |
| Headquarters | — | United States |
| Investors | Not disclosed | DRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2 |
| Strengths and weaknesses | ||
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| Best for | Eligible non-EEA residents, Crypto-funded everyday spending, Online Mastercard payments | Everyday crypto spending, Krak app users, Cardholders spending multiple assets |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.