10 Best Bybit Card Alternatives in 2026

The world of crypto debit and credit cards is more diverse than ever. Although the Best Bybit Card Alternatives, it is not the best option when it comes to rewards, fees, and acceptance.

Whether it is self-custodial solutions, high cashback crypto cards, or something else, there is an option Here is why self-custodial and high cashback Bybit Card alternatives will give you the best Bybit Card alternatives.

What to Look for in a Crypto Card?

Costs and fees

Understand the fee structure. The card likely has fees that apply for transactions, withdrawals, and conversions. These fees are usually clearly stated, while hidden fees that are not so obvious are common with crypto. Despite these hidden fees compromising the overall value of the crypto, these cards do provide cheaper services, so look for something that balances both.

Rewards and cashback

Using the card provides a reward as a form of cashback, and adds value to your portfolio. This in turn allows you to spend without consideration.

Global acceptance

Look for cards that have a working partnership with companies that have a global presence. This makes the card universally acceptable, and you can use it wherever you are. Global players like Visa or Mastercard can also allow you to use the card at ATMs.

Instant conversion

Being able to spend with a prepaid card can be delayed, as crypto needs to be converted to fiat before the card can be used. This means that the value of the crypto can fluctuate and the card holder can lose money when it is finally converted.

Security features

Security is very important in transactions as your digital assets are at a constant risk of being dangerously unprotected. Look for cards that offer protective features like custodial authentication and fraud protection.

Supported Cryptocurrencies

Verifying the amount of crypto that a card can support is important, as there are cards that can allow you to spend a variety of crypto including BTC, ETH, stablecoins, and other altcoins.

Withdrawal options

Using the card is a lot more convenient when there is the ability to access ATMs and withdraw cash like a debit or credit card, especially when you are in a place where you can’t make payments with crypto.

Legality & Regulation

Always verify you’re able to use the card at your location’s local law. If your use case is region restricted, the card’s functionality could be limited.

Custodial vs Non-Custodial

Think about whether the card is custodial (controlled by the issuer) or non-custodial (you manage the private keys). Non-custodial cards give more freedom, but more responsibility.

Tax & Compliance

Understand tax rules when spending money as crypto. Cards offer some transaction history that may make reporting easier to help you comply with local laws.

Key Point

Crypto Card	Key Point / Strength
Binance Card	Global Visa card with up to ~8% cashback, no annual fee, widely accepted.
Crypto.com Card	Strong rewards tiers with up to ~8–10% cashback and subscription rebates (e.g., Spotify, Netflix).
Coinbase Visa Debit Card	Zero base fees, up to ~4% crypto rewards, simple use from Coinbase balances.
Wirex Card	Global Visa/Mastercard support, up to ~8% WXT cashback, low fees and broad availability.
Nexo Card	Hybrid debit‑credit mode with up to ~2% crypto cashback and up to €10,000 free ATM withdrawals.
Kast Card	Hybrid prepaid/credit Visa with direct USDC/USDT spending, strong rewards (3–9%).
Gnosis Pay Card	Self‑custodial debit card with up to ~4–5% rewards and user‑controlled funds.
Xapo Bank Card	Bitcoin‑centric debit card with no forex fees and Lightning Network support.
Uphold Essential Card	High overall rating in cards reviews, strong general utility.
Solflare Card	Clean Solana USDC spending with minimal fees; smooth experience.

1) Binance Card

The Binance Card is a Visa debit card that is linked to your Binance account in order to spend cryptocurrencies and instantly convert to fiat at checkout. The card supports a number of assets, including BTC, ETH, BNB, BUSD, USDT and others.

You can receive an estimated 8% cashback in BNB, depending on the amount of BNB you have and your activity on the card.

A number of foreign exchange, ATM, and regional transaction fees may apply, but overall, there are no monthly or annual fees, and the card can be used anywhere Visa is accepted. The card is widely used globally, with the exception of the U.S. Integration with the Binance app is seamless.

Visa Binance Card – Main Features

• Binance wallet crypto linked Visa debit card
• Main crypto support: USDC, USDT, BNB, ETH, BTC
• BNB cashback (tiered) 8% maximum
• No fees on card issuance and annual pay
• Checkout real-time crypto-to-fiat conversions
• Visa-card acceptance is vast worldwide
• Spending control and tracking transactions in-app

Binance Card Pros & Cons

Pros

• Up to ~8% BNB cashback.
• No issuance or yearly fees.
• Easy to use with Binance wallet.
• Use anywhere they accept Visa.
• Instant conversion crypto to fiat.

Cons

• To get the best rewards, you need to hold BNB.
• Some users have limited availability (US).
• Depending on usage, ATM fees could apply.
• They are slow to respond on customer support during busy times.

2) Crypto.com Card

The Crypto.com Card is a prepaid Visa debit card that benefits users with tier-based rewards. Crypto.com Card users can earn up to 5% cashback on purchases, as well as earn CRO tokens.

In addition, the card provides users with other perks at the higher tiers, including reimbursements for streaming services such as Netflix or Spotify, travel benefits, and airport lounge access.

The Crypto.com card supports 20+ cryptocurrencies and fiat. Higher reward levels can be achieved by having token stakes in CRO.

Most tiers charge no annual fees, but foreign transaction fees, as well as ATM limits, differ by level and region. The card can be used internationally where Visa is accepted, and offers free ATM withdrawals (up to tier specific limits). For high spenders, perks and rewards make it a solid Bybit competitor.

Crypto.com Visa Card – Main Features

• Crypto Visa debit card prepaid
• Up to Cryptocurrency (CRO) 5% cashback
• Tiered rewards (Netflix, Spotify) subscription rebates
• Supports more than 20 cryptos and several fiat
• No annual fees on several tiers
• Premium users get airport lounge access
• Google Pay and Apple Pay enabled

Crypto.com Card Pros & Cons

Pros

• Customers receive 5% cash back in CRO.
• Customers who receive a higher tier pay for things like NETFLIX.
• Crypto.com has over five cryptocurrencies.
• You will pay no fees for an annual subscription.
• You can travel internationally for no fees at a higher level.

Cons

• You will never receive cash back unless you send CRO.
• Pay will be delayed as you move through various tiers.
• There is a lack of Crypto.com cards in many countries including the US.
• You may not withdraw money without an ATM.

3) Coinbase Visa Debit Card

Coinbase offers the Visa Debit Card which is tied to your Coinbase account. With the CAD, Coinbase seamlessly converts your selected cryptocurrency to repay your CAD.

The card purchases cryptocurrencies which then convert to coins, and up to ~4% back in crypto rewards is allowable on selections and offers. There’s no annual fees, and no need to stake tokens but a small conversion fee can be charged on purchases.

Visa accepts the card in the U.S. and most of Europe. The card is ideal for Coinbase users who want a card for everyday purchases.

Visa Coinbase Card – Main Features

• Visa debit card linked to Coinbase account
• Payment using 100+ linked cryptos
• Rewards (rotating options) 4% crypto maximum
• No fees on annual and maintenance
• Crypto-to-fiat conversion is automatic
• Availability is strong in Europe and the US
• Coinbase users easy setup

Coinbase Visa Debit Card Pros & Cons

Pros

• Payments can be instant for people who use Coinbase.
• Up to 4% is cash back in CRO.
• No subscription costs.
• There are over 100 cryptocurrencies you can cash back on.
• You can use the card at any store in the USA.

Cons

• Other cash back cards offer a higher percentage.
• Customers may have to pay cash conversion fees.
• The card is not available worldwide.
• Other cards offer more premium features than Coinbase.

4) Wirex Card

The Wirex Card is a Quartz debit card that comes in a multi‑currency Visa/Mastercard debit card format. Customers can enjoy the card and have access to 25+ cryptocurrency and traditional fiat currencies.

The Card offers users a “Cryptoback™” rewards program that gives users the ability to earn up to ~8% back which would be in the The WXT tokens. For most users, the cash back will be 1-2% which is practical, instead of high token holdings.

The card has no annual fees and typically no fees for foreign exchanges, and can be used anywhere Visa or Mastercard are accepted. You can have different currencies and can swap between crypto and fiat currencies in their app. This card is for customers who want a variety of assets and the ability to earn different types of rewards all at a low cost.

Wirex Visa Card – Main Features

• Multi-currency debit card Visa/Mastercard
• Get up to 8% Cryptoback™ rewards in WXT.
• No annual or monthly fees.
• No cost exchange between crypto and fiat in the app.
• Available worldwide and in ATMs.
• Works with Google Pay and Apple Pay.

Wirex Card Pros & Cons

Pros

• Multiple currencies (both crypto + fiat)
• Up to about 8% Cryptoback™ rewards
• Low fees + accepted globally
• Apple Pay and Google Pay accepted
• Easy in-app conversion

Cons

• Real-world cashback often gets capped at lowest advertised
• WXT token needed for best rewards
• Limited availability in the US
• Some conversion fees with exchanges

5) Nexo Card

The Nexo Card is a crypto card that can be a debit or credit card and links to your Nexo account. This lets you spend crypto collateral without selling it. On purchases, you can earn around 2% cashback in NEXO tokens or ~0.5% in BTC and there are no monthly or annual fees.

You can spend and borrow in different cryptocurrencies like BTC, ETH, NEXO, and more. His card can be used in the EU and UK on the Mastercard network.

You can use it at ATMs, and it works with Apple and Google Pay. For customers who have crypto collateral, this card is ideal because it doesn’t allow users to spend the collateral.

Nexo Card – Main Features

• Masters crypto card in debit and credit mode
• Spend collateral crypto without liquidating.
• Get 2% cashback in NEXO or BTC
• No monthly and annual fees.
• Free ATM withdrawals within limits.
• Optimal privacy and security with instant spend notifications.
• Great for crypto long-term holders.

Nexo Card Pros & Cons

Pros

• No need to sell crypto (collateral usage)
• Up to ~2% cashback in NEXO/BTC
• No recurring fees
• (Within limits) free ATM withdrawals
• Weak security focus

Cons

• Less cashback compared to competition
• Crypto collateral is required
• Best features need to NEXO token
• Top benefits have stricter criteria

6) Kast Card

The Kast Card is a crypto Visa debit card that can be used for global everyday transactions and can spend stablecoins like USDC, USDT, and USDe direct without pre‑conversion.

Your choices are accepted by millions of merchants and ATMs internationally, including Apple Pay/Google Pay and instant virtual card options. With regards to rewards, basc cards are pretty basic with just some cashback.

More premium cards are better though, and can give you 8-12% KAST points (or similar) which are better rewards and are tied to staking or holding within the ecosystem. Card fees, including possible foreign exchange fees, are dependent on the tier you choose.

The card can be used in more than 150 countries. The card is more suited to those users who are focused on spending stablecoins, needing flexible rewards.

Kast Card – Main Features

• Visa card crypto card with a focus on stablecoin spending
• Supports fiat, USDC, USDT, USDe
• Access to rewards and cashback in the KAST ecosystem.
• Physical and virtual card options.
• Apple Pay and Google Pay compatible.
• Instant acceptance with merchants all over the world.
• Excellent for payments over borders.

Kast Card Pros & Cons

Pros

• USDC/USDT/USDe stablecoin spending
• Good rewards in the Kast ecosystem
• merchants worldwide
• Google Pay + Apple Pay supported
• Track spending in real-time

Cons

• Varies card tier rewards
• Premium tiers have higher fees
• Limited history with relatively newer card
• Country-dependent availability

7) Gnosis Pay Card

The Gnosis Pay Card stands out in the market because it is a **self custodial debit card, ** which means you retain total control over your crypto keys. It primarily supports regulated stablecoins like EURe, GBPe, and USDCe, and settles payments electronically.

There are no foreign exchange off ramp fees. There is a fee to issue the card, and one to use ATMs. The card is only available in the EU/EEA region.

There are not a lot of cards like this in the market, and it is a great option for the users who prefer self custody and on chain control instead of custodial spending.

Gnosis Pay Card – Main Features

• Self-custodial Visa debit card.
• Spent on-chain stablecoins (EURe, USDC and crypto without liquidation).
• Extra rewards control cashback and ecosystem incentives.
• The card is mainly available in the EU/EEA
• Added focus on privacy and control.
• Available only on the Gnosis Safe smart wallet.

Gnosis Pay Card Pros & Cons

Pros

• Full self-custody control of funds
• Spend stablecoins without off-ramping
• Transparency with on-chain
• Cash back and rewards (optional)
• Data privacy

Cons

• Limited availability (EU/EEA mostly)
• Less reward options compared to custodial cards
• Technical setup (Beginner friendly)
• No major travel benefits

8) Xapo Bank Card

The Xapo Bank Card is a unique banking service providing clients with a regulated cryptocurrency debit card usable with Xapo’s crypto services. With the card, clients can spend Bitcoin (BTC) as well as use traditional banking currency such as USD, EUR, and GBP.

Xapo provides cashback of just under 1% for eligible purchases that is credited back in Bitcoin, and there are no foreign exchange fees. Users can withdraw money from ATMs, though there is a monthly limit to these transactions.

The Xapo card is usable worldwide, and clients can access their Xapo account through either Visa or Mastercard. Though Xapo offers monthly premium account memberships, which incur annual fees, the card does promote security, custody, and dual‐currency use.

Therefore, Xapo does make the card a decent option for those who would prefer to have a card that is Bitcoin debit card focused and need to make use of traditional crypto banking. Xapo does provide decent spending limits. More details of this card can be found at xapobank.com.

Xapo Bank Card –Main Features

• Xapo is a regulated bank offering crypto-friendly services.
• Bank accounts and cards issued by Xapo support Bitcoin and other fiat currencies.
• Customers earn cashback of up to 1% in Bitcoin on card purchases.
• Xapo does not charge foreign exchange fees.
• Customers may make large withdrawals and purchases.
• Xapo’s services are guarded by bank-level security measures.
• Xapo is a great option for users who heavily use Bitcoin.

Xapo Bank Card Pros & Cons

Pros

• Highly secure with regulated bank card
• Spending Bitcoin & fiat
• Directly up to ~1% BTC cashback
• No fees for foreign exchanges
• Spending & ATM limits are high

Cons

• Fee for annual premium membership
• Crypto cards offer more rewards
• Small frequent spenders don’t benefit
• Crypto rewards are limited

9. Uphold Essential Card

Uphold Inc. offers their clients the Uphold Essential Card which is also a Bitcoin debit card option. Customers can also use traditional banking services with the Uphold Inc. card. There is no annual fee on the card, and with the Essential Tier, there is no additional cost.

There is no foreign exchange fee for clients, however, there are fees that can be incurred with overseas transactions. With this service, clients can spend money in their Uphold account and use the card for withdrawing money, and the card can be used for purchases.

The only card available to users in the United States and sections of Europe that doesn’t require users to stake to earn rewards and have extensive crypto support is best suited for frequent spenders and diversified portfolios.

Uphold Essential Card –Main Features

• Customers receive a Visa debit card that is connected to their Uphold wallet.
• Customers may spend over 300 supported crypto and fiat assets.
• Customers earn up to 4% cashback in XRP on purchases.
• There is no charge for card subscriptions.
• Customers may spend directly from their crypto account or fiat account.
• Customers may use their card worldwide.
• This card is especially good for users who hold many different cryptocurrencies.

Uphold Essential Card Pros & Cons

Pros

• Over 300 supported assets (crypto + fiat)
• Directly up to ~4% cashback in XRP
• No fees for annual membership
• Flexible fund options
• Good Bitcoin acceptance

Cons

• Fees for foreign exchanges may exist
• Cash back is not generous and is solely on XRP
• Active Uphold account is mandatory
• Compared to premium cards, rewards are limited

10) Solflare Card

Solflare Card is a self-custody Mastercard, self-custody debit card with Apple Pay support. It lets you spend USDC directly from your wallet on the Solana ecosystem without needing a middleman or manual conversion.

It has broad merchant support and on-chain secure spending. Users control the private keys and the card has competitively priced transparent spending and instant access to the balance. It also has real-time transaction tracking.

It is available in select regions, UK, and EEA and is best for users seeking self-custody, DeFi seamless payment solutions that self-custody cards and the Solana wallet infrastructure.

Solflare Card – Main Features

• This card has a Mastercard logo on it. It offers self-custody services.
• Customers may spend USDC from their Solana wallet.
• There are no other parties to involve, nor will the card perform any conversion of cryptocurrencies.
• Customers have full on-chain clarity and control.
• The card can be added to Apple Pay.
• Transactions are rapidly completed on the Solana network.
• This card is best for users who are part of the Solana ecos

 Solflare Card Pros & Cons

Pros

• Self-custody, with true control over the private keys
• You can spend USDC directly on the Solana ecosystem
• Transparency on-chain with instant settlement
• Supported by Apple Pay
• Example close to zero counter-party risk

Cons

• Only works with a specific stablecoin (USDC)
• Service not offered in all countries
• Limited to no premium travel benefits
• Service is not geared to those wanting rewards on multiple assets

How These Alternatives Differ from Bybit Card?

Rewards Structure — Most alternatives provide direct crypto cashback, while Bybit has a loyalty point system where you must redeem points to get cashback.

Custody Control — A few cards allow you to spend directly from self-custodial wallets, giving you more control versus Bybit’s balance funding from the exchange.

Fee Transparency — A Bybit competitor offers fewer conversion fees while Bybit charges for crypto conversions and FX.

Rewards Variety — Other competitors offer other card programs that reward users with stablecoins and tokens. Bybit has a reward system based on points.

Regional Support — Other Bybit competitors have no regional restrictions, while Bybit has KYC and regional restriction nonsense for the Card.

Digital Wallet Integration — Bybit has a more behind the times approach and has wallets that are yet supported or are delayed while competitors offer Apple/Google Pay.

Rewards Caps — Other competitors have no requirements for offering the most rewards while Bybit makes their users hit a certain VIP level.

Crypto Options — Other crypto Bybit competitors offer users more tokens to spend than Bybit

Self-Custody Focus — Other competitors are more security centric and offer spending with hardware wallets unlike Bybit’s custodial model.

Privacy & KYC — Other competitors offer less KYC restrictions while Bybit offers no options due to their more strict KYC implementations.

Conclusion

Having flexibility, different types of rewards, and features that better fit individual needs are advantages of exploring alternatives to Bybit Cards in 2026. As the Bybit Card works to keep the user within the exchange services, alternatives do better in global acceptance, self-custody, better and more rewards, fee transparency, and regional coverage.

There are alternatives that provide better everyday rewards, lower conversion costs, offers more integration options with hardware wallets, and performs KYC checks that are less invasive. There are better choices to be made with secured spending habits, preferences, and lifestyles with the wider selection of cards and services in 2026.

FAQ