BybitBybit
72
Side-by-side card comparison
Bybit vs Tangem: overall score versus use-case fit
Tangem Card has the higher Overall Score by 5 points (77 vs 72). Bybit Card (Global) looks stronger for Travel, Lowest fees, and Transfers, while Tangem Card comes out ahead for Cashback and Funds control.
Information checked Oct 11, 202629 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Bybit Card (Global) may be the better fit for Travel, 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.
OverallBybit72Tangem77Higher score
CashbackBybit63Tangem73Higher score
TravelBybit80Tangem63Higher score
Funds controlBybit51Tangem87Higher score
Lowest feesBybit66Tangem52Higher score
TransfersBybit79Tangem65Higher score
Choose Bybit Card (Global) if travel and lowest fees matter most
Bybit Card (Global) comes out ahead for Travel, 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.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard 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
- Bybit72Tangem77
Tangem Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Bybit$0 plan · 1.5–7% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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%Tangem1% base · up to 2%
Bybit Card (Global) has the higher published base cashback rate (2% vs 1%).
- Funds control
- BybitCustodial balanceTangemHybrid custody
Bybit Card (Global) uses a custodial balance setup, while Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BybitVirtual + Physical · Apple Pay, Google Pay · Region dependentTangemVirtual + Physical · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalTangem2 stablecoins · Stablecoin transfers
Bybit Card (Global) lists more stablecoins and ways to send money out (4 vs 3).
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
- 1.5–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay · Region dependent
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 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.
Tangem 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)Overall72Tangem CardOverall77
Bybit Card (Global)Overall72Tangem CardOverall77Scores
6 fields- Overall Score
- Bybit Card (Global)72Tangem Card77
- Cashback score
- Bybit Card (Global)63Tangem Card73
- Travel score
- Bybit Card (Global)80Tangem Card63
- Funds control score
- Bybit Card (Global)51Tangem Card87
- Lowest fees score
- Bybit Card (Global)66Tangem Card52
- Transfers score
- Bybit Card (Global)79Tangem Card65
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveTangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Tangem Card$0
- FX fee
- Bybit Card (Global)1.5–7%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Bybit Card (Global)Not disclosedTangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separate
- Card spending fee
- Bybit Card (Global)Not disclosedTangem Card0%
- ATM fee
- Bybit Card (Global)0–2%Tangem Card2–4%
- Virtual card
- Bybit Card (Global)No fee until further noticeTangem Card$0 for the first virtual card
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery free
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Tangem Card2 plans: Basic, Plus
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Tangem CardPlus: 2%
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaTangem CardVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalTangem CardVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableTangem CardAvailable
- Mobile wallets
- Bybit Card (Global)Apple Pay, Google Pay · Region dependentTangem CardApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidTangem CardiOS, Android
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoTangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controls
- Monthly spending limit
- Bybit Card (Global)$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Bybit Card (Global)$50/$15k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedTangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM required
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedTangem CardPolygon, BNB Smart Chain, Base, Arbitrum
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoTangem CardStablecoins: USDC, USDT
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositTangem CardUSD ACH deposit, USD Fedwire deposit
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalTangem CardStablecoin transfers
- Payout currencies
- Bybit Card (Global)Not disclosedTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Tangem Card1%
- Max cashback
- Bybit Card (Global)10%Tangem Card2%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Tangem CardUSDC
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedTangem CardNot offered
- How it works
- Bybit Card (Global)Earn on spending balanceTangem CardNot offered
- Separate deposit
- Bybit Card (Global)Not disclosedTangem CardNot offered
- Use balance for spending
- Bybit Card (Global)YesTangem CardNot offered
- Lock-up
- Bybit Card (Global)NoTangem CardNot offered
Trust & availability
5 fields- Custody
- Bybit Card (Global)CustodialTangem CardHybrid custody
- Control until payment
- Bybit Card (Global)Provider controls fundsTangem 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.Tangem CardThird National
- Card processing
- Bybit Card (Global)Not disclosedTangem CardPaera LLC
- Identity verification
- Bybit Card (Global)Not disclosedTangem CardSumsub
Sources
2 fields- Official sources
- Bybit Card (Global)9Tangem Card20
- Last reviewed
- Bybit Card (Global)Oct 11, 2026Tangem CardOct 11, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 72 for Bybit Card (Global). 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 1%).
Bybit Card (Global) still comes out ahead for Travel, Lowest fees, 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 Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Bybit Card (Global) lists more stablecoins and ways to send money out (4 vs 3). 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 Tangem Card reviews first.
Continue with
Bybit Card (Global)
Continue with
Tangem Card
05 · Common questions
Bybit vs Tangem FAQ
Is Bybit or Tangem better overall?
Tangem Card has the higher Overall Score (77 vs 72). 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 Tangem?
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 Tangem?
Bybit Card (Global) 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 and Tangem differ on custody?
Bybit Card (Global) uses a custodial balance setup, while Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit vs Tangem comparison?
The latest information check for these two cards was October 11, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.