Bybit EUBybit EU
68
Side-by-side card comparison
Bybit EU vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 2 points (70 vs 68). Bybit Card (EU) looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback.
Information checked Oct 14, 202623 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Bybit Card (EU) may be the better fit for Travel, Funds control, Lowest fees, and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBybit EU68Uphold US70Higher score
CashbackBybit EU47Uphold US75Higher score
TravelBybit EU87Uphold US71Higher score
Funds controlBybit EU51Uphold US44Higher score
Lowest feesBybit EU72Uphold US56Higher score
TransfersBybit EU79Uphold US65Higher score
Choose Bybit Card (EU) if travel and funds control matter most
Bybit Card (EU) comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Funding Account connects deposits and card spend
- Lite and Standard card access
- Default applicants start at 1% cashback
Choose Uphold Card US if cashback matters most
Uphold Card US comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Bybit EU68Uphold US70
Uphold Card US has the higher Overall Score by 2 points.
- Entry cost & FX
- Bybit EU$0 plan · 0.5% FXUphold US$0 plan · 0–1.5% FX
Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1.5%).
- Purchase rewards
- Bybit EU1% base · up to 10%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 1%).
- Funds control
- Bybit EUCustodial balanceUphold USCustodial balance
Bybit Card (EU) and Uphold Card US use the same custodial balance setup.
- Everyday access
- Bybit EUVirtual + Physical · Apple Pay, Google PayUphold USVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Bybit EU2 stablecoins · Stablecoin transfers; Bybit EU account fiat withdrawalUphold US0 stablecoins · US bank withdrawal
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1%-10%
- Plan cost
- $0
- FX fee
- 0.5%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBybit Card (EU)Overall68Uphold Card USOverall70
Bybit Card (EU)Overall68Uphold Card USOverall70Scores
6 fields- Overall Score
- Bybit Card (EU)68Uphold Card US70
- Cashback score
- Bybit Card (EU)47Uphold Card US75
- Travel score
- Bybit Card (EU)87Uphold Card US71
- Funds control score
- Bybit Card (EU)51Uphold Card US44
- Lowest fees score
- Bybit Card (EU)72Uphold Card US56
- Transfers score
- Bybit Card (EU)79Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Bybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Bybit Card (EU)$0Uphold Card US$0
- FX fee
- Bybit Card (EU)0.5%Uphold Card US0–1.5%
- Top-up fee
- Bybit Card (EU)Not disclosedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Bybit Card (EU)Not disclosedUphold Card USNot disclosed
- ATM fee
- Bybit Card (EU)2%Uphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Bybit Card (EU)FreeUphold Card USFree on both plans
- Physical card
- Bybit Card (EU)First physical card freeUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Uphold Card US2 plans: Essential, Elite
- Top cashback plan
- Bybit Card (EU)VIP 6 / PRO 3-5: 10%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Bybit Card (EU)MastercardUphold Card USVisa
- Card formats
- Bybit Card (EU)Virtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Bybit Card (EU)AvailableUphold Card USAvailable
- Mobile wallets
- Bybit Card (EU)Apple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Bybit Card (EU)iOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- Bybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Bybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Bybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Bybit Card (EU)Not disclosedUphold Card USNot disclosed
- Crypto deposits
- Bybit Card (EU)Other crypto: Supported cryptoUphold Card USNot disclosed
- Fiat deposits
- Bybit Card (EU)Bybit EU Funding Account depositUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Bybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalUphold Card USUS bank withdrawal
- Payout currencies
- Bybit Card (EU)Not disclosedUphold Card USUSD
Rewards
3 fields- Base cashback
- Bybit Card (EU)1%Uphold Card US2%
- Max cashback
- Bybit Card (EU)10%Uphold Card US4%
- Reward currency
- Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Uphold Card USXRP
Earn
5 fields- Advertised APY
- Bybit Card (EU)Up to 8% APYUphold Card USNot offered
- How it works
- Bybit Card (EU)Not disclosedUphold Card USNot offered
- Separate deposit
- Bybit Card (EU)Not disclosedUphold Card USNot offered
- Use balance for spending
- Bybit Card (EU)Not disclosedUphold Card USNot offered
- Lock-up
- Bybit Card (EU)Not disclosedUphold Card USNot offered
Trust & availability
4 fields- Custody
- Bybit Card (EU)CustodialUphold Card USCustodial
- Control until payment
- Bybit Card (EU)Provider controls fundsUphold Card USProvider controls funds
- Card issuer
- Bybit Card (EU)Harmoniie SAS, Moorwand LtdUphold Card USCross River Bank
- Custody / key management
- Bybit Card (EU)Not disclosedUphold Card USUphold HQ Inc.
Sources
2 fields- Official sources
- Bybit Card (EU)10Uphold Card US13
- Last reviewed
- Bybit Card (EU)Oct 11, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 68 for Bybit Card (EU). Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1.5%). Uphold Card US has the higher published base cashback rate (2% vs 1%).
Bybit Card (EU) still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (EU) and Uphold Card US use the same custodial balance setup.
Bybit Card (EU) lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Bybit Card (EU) and Uphold Card US reviews first.
Continue with
Bybit Card (EU)
Continue with
Uphold Card US
05 · Common questions
Bybit EU vs Uphold US FAQ
Is Bybit EU or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 68). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Bybit EU or Uphold US?
Bybit Card (EU) has the lower published FX fee (0.5% vs 0–1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bybit EU or Uphold US?
Uphold Card US has the higher published base cashback rate (2% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit EU and Uphold US differ on custody?
Bybit Card (EU) and Uphold Card US use the same custodial balance setup.
How current is this Bybit EU vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 23 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.