BybitBybit
68
Side-by-side card comparison
Bybit vs Krak: overall score versus use-case fit
Krak Card has the higher Overall Score by 6 points (74 vs 68). Bybit Card (Global) looks stronger for Cashback, while Krak Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 27, 202635 official sources reviewed
01 · Overall score versus use-case fit
Krak Card is the better all-round starting point
Krak Card has the higher Overall Score in this comparison. Bybit Card (Global) may be the better fit for Cashback. 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.
OverallBybit68Krak74Higher score
CashbackBybit62Krak40Higher score
TravelBybit76Krak83Higher score
Funds controlBybit47Krak56Higher score
Lowest feesBybit64Krak72Higher score
TransfersBybit78Krak97Higher score
Choose Bybit Card (Global) if cashback matters most
Bybit Card (Global) 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.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose Krak Card if travel and funds control matter most
Krak Card 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.
- No monthly, FX or Krak ATM fee
- Both card formats and phone wallets
- Automatic cashback up to 2%
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
- Bybit68Krak74
Krak Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXKrak$0 plan · 0–1% FX
Krak Card has the lower published FX fee (0–1% vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%Krak0% base · up to 2%
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
- Funds control
- BybitCustodial balanceKrakCustodial balance
Bybit Card (Global) and Krak Card use the same custodial balance setup.
- Everyday access
- BybitVirtual + Physical · UnknownKrakVirtual + Physical · Apple Pay, Google Pay
Krak Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalKrak0 stablecoins · Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
Krak Card lists more stablecoins and ways to send money out (5 vs 4).
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
- 2%-10%
- Plan cost
- $0
- FX fee
- 1–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0% Krak fee; ATM operator may charge
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 3 fiat
- Payout methods
- 1 crypto · 2 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Bybit Card (Global)
Get 10 USDT
10 USDT referral reward after qualifying Bybit Card spend
- Spend more than 100 USDT or equivalent with the Bybit Card.
Bybit Card promo codeEXVJGK
Offer terms can change. Check the current Bybit Card referral programme before applying.
Krak Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 (Global)Overall68Krak CardOverall74
Bybit Card (Global)Overall68Krak CardOverall74Scores
6 fields- Overall Score
- Bybit Card (Global)68Krak Card74
- Cashback score
- Bybit Card (Global)62Krak Card40
- Travel score
- Bybit Card (Global)76Krak Card83
- Funds control score
- Bybit Card (Global)47Krak Card56
- Lowest fees score
- Bybit Card (Global)64Krak Card72
- Transfers score
- Bybit Card (Global)78Krak Card97
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessKrak CardNo monthly, FX or Krak ATM fee, Both card formats and phone wallets
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveKrak CardCrypto conversion spread is variable, The 2% tier needs a large balance
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Krak Card$0
- FX fee
- Bybit Card (Global)1–7%Krak Card0–1%
- Top-up fee
- Bybit Card (Global)Not disclosedKrak CardNot disclosed
- Card spending fee
- Bybit Card (Global)Not disclosedKrak Card0%
- ATM fee
- Bybit Card (Global)0–2%Krak Card0% Krak fee; ATM operator may charge
- Virtual card
- Bybit Card (Global)No fee until further noticeKrak CardFree
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Krak Card5 plans: Starter, Lite, Pro, Elite +1
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Krak CardMax: 2%
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaKrak CardMastercard/Visa
- Card formats
- Bybit Card (Global)Virtual, PhysicalKrak CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableKrak CardAvailable
- Mobile wallets
- Bybit Card (Global)Not disclosedKrak CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidKrak CardiOS, Android
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $13.5k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoKrak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/day
- Monthly spending limit
- Bybit Card (Global)$5k Peru · $10k Argentina · $27k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoKrak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/month
- ATM limit
- Bybit Card (Global)$50/$1.8k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedKrak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedKrak CardNot disclosed
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoKrak CardOther crypto: Supported crypto
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositKrak CardGBP bank transfer, EUR bank transfer, USD bank transfer
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalKrak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
- Payout currencies
- Bybit Card (Global)Not disclosedKrak CardGBP, EUR
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Krak Card0%
- Max cashback
- Bybit Card (Global)10%Krak Card2%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Krak CardGBP, EUR, USD or BTC
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedKrak CardUp to 3.6% APY
- How it works
- Bybit Card (Global)Earn on spending balanceKrak CardOptional earn vault
- Separate deposit
- Bybit Card (Global)Not disclosedKrak CardYes
- Use balance for spending
- Bybit Card (Global)YesKrak CardNo
- Lock-up
- Bybit Card (Global)NoKrak CardNot disclosed
Trust & availability
5 fields- Custody
- Bybit Card (Global)CustodialKrak CardCustodial
- Control until payment
- Bybit Card (Global)Provider controls fundsKrak CardProvider controls funds
- Card issuer
- Bybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Krak CardMonavate Limited, Lead Bank, UAB Monavate
- Card processing
- Bybit Card (Global)Not disclosedKrak CardStripe
- Programme operator
- Bybit Card (Global)Not disclosedKrak CardPayward Wallet, Inc.
Sources
2 fields- Official sources
- Bybit Card (Global)9Krak Card26
- Last reviewed
- Bybit Card (Global)Aug 14, 2026Krak CardAug 27, 2026
04 · The trade-off
Krak Card is the stronger all-round choice
Krak Card finishes ahead with an Overall Score of 74 versus 68 for Bybit Card (Global). Krak Card has the lower published FX fee (0–1% vs 1–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
Bybit Card (Global) still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (Global) and Krak Card use the same custodial balance setup.
Krak Card lists more stablecoins and ways to send money out (5 vs 4). 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 (Global) and Krak Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Krak Card
05 · Common questions
Bybit vs Krak FAQ
Is Bybit or Krak better overall?
Krak Card has the higher Overall Score (74 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 or Krak?
Krak Card has the lower published FX fee (0–1% vs 1–7%). 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 or Krak?
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and Krak differ on custody?
Bybit Card (Global) and Krak Card use the same custodial balance setup.
How current is this Bybit vs Krak comparison?
The latest information check for these two cards was August 27, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.