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68
Side-by-side card comparison
Bybit vs Phantom: overall score versus use-case fit
Bybit Card (Global) has the higher Overall Score by 9 points (68 vs 59). Bybit Card (Global) looks stronger for Cashback, Travel, and Lowest fees, while Phantom Card comes out ahead for Funds control and Transfers.
Information checked Aug 14, 202623 official sources reviewed
01 · Overall score versus use-case fit
Bybit Card (Global) is the better all-round starting point
Bybit Card (Global) has the higher Overall Score in this comparison. Phantom Card may be the better fit for Funds control 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.
OverallBybit68Phantom59Higher score
CashbackBybit62Phantom14Higher score
TravelBybit76Phantom25Higher score
Funds controlBybit47Phantom89Higher score
Lowest feesBybit64Phantom44Higher score
TransfersBybit78Phantom88Higher score
Choose Bybit Card (Global) if cashback and travel matter most
Bybit Card (Global) comes out ahead for Cashback, Travel, and Lowest fees 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 Phantom Card if funds control and transfers matter most
Phantom Card comes out ahead for Funds control and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
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
- Bybit68Phantom59
Bybit Card (Global) has the higher Overall Score by 9 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXPhantomNot verified plan · May apply; shown before confirmation FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Bybit2% base · up to 10%Phantom0% cashback
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
- Funds control
- BybitCustodial balancePhantomSelf-controlled wallet
Bybit Card (Global) uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BybitVirtual + Physical · UnknownPhantomVirtual · Apple Pay, Google Pay
Phantom Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Phantom Card lists more stablecoins and ways to send money out (8 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%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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.
Phantom 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)Overall68Phantom CardOverall59
Bybit Card (Global)Overall68Phantom CardOverall59Scores
6 fields- Overall Score
- Bybit Card (Global)68Phantom Card59
- Cashback score
- Bybit Card (Global)62Phantom Card14
- Travel score
- Bybit Card (Global)76Phantom Card25
- Funds control score
- Bybit Card (Global)47Phantom Card89
- Lowest fees score
- Bybit Card (Global)64Phantom Card44
- Transfers score
- Bybit Card (Global)78Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessPhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensivePhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Phantom CardNot disclosed
- FX fee
- Bybit Card (Global)1–7%Phantom CardMay apply; shown before confirmation
- Top-up fee
- Bybit Card (Global)Not disclosedPhantom Card0.3–3.5%
- Card spending fee
- Bybit Card (Global)Not disclosedPhantom Card0%
- ATM fee
- Bybit Card (Global)0–2%Phantom CardNot available
- Virtual card
- Bybit Card (Global)No fee until further noticePhantom CardFree virtual card
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Phantom CardNot available
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Phantom CardNot disclosed
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Phantom CardNot disclosed
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaPhantom CardVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalPhantom CardVirtual
- ATM withdrawals
- Bybit Card (Global)AvailablePhantom CardNot available
- Mobile wallets
- Bybit Card (Global)Not disclosedPhantom CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidPhantom 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 MexicoPhantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- 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 MexicoPhantom CardMonthly card-spend limit not published
- 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 unsupportedPhantom CardNot available
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedPhantom CardSolana
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoPhantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositPhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- Bybit Card (Global)Not disclosedPhantom CardUSD
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Phantom Card0%
- Max cashback
- Bybit Card (Global)10%Phantom Card0%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Phantom CardNot applicable
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedPhantom CardNot disclosed
- How it works
- Bybit Card (Global)Earn on spending balancePhantom CardOptional earn vault
- Separate deposit
- Bybit Card (Global)Not disclosedPhantom CardYes
- Use balance for spending
- Bybit Card (Global)YesPhantom CardNo
- Lock-up
- Bybit Card (Global)NoPhantom CardNot disclosed
Trust & availability
6 fields- Custody
- Bybit Card (Global)CustodialPhantom CardSelf-custody
- Control until payment
- Bybit Card (Global)Provider controls fundsPhantom CardYou keep control
- Card issuer
- Bybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Phantom CardLead Bank
- Card processing
- Bybit Card (Global)Not disclosedPhantom CardBridge Ventures LLC, Galileo
- Deposits & withdrawals
- Bybit Card (Global)Not disclosedPhantom CardStripe
- Identity verification
- Bybit Card (Global)Not disclosedPhantom CardLink
Sources
2 fields- Official sources
- Bybit Card (Global)9Phantom Card14
- Last reviewed
- Bybit Card (Global)Aug 14, 2026Phantom CardAug 5, 2026
04 · The trade-off
Bybit Card (Global) is the stronger all-round choice
Bybit Card (Global) finishes ahead with an Overall Score of 68 versus 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
Phantom Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (Global) uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Phantom Card
05 · Common questions
Bybit vs Phantom FAQ
Is Bybit or Phantom better overall?
Bybit Card (Global) has the higher Overall Score (68 vs 59). 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 Phantom?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Phantom?
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 Phantom differ on custody?
Bybit Card (Global) uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit vs Phantom comparison?
The latest information check for these two cards was August 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.