Free base planUSDC/BTC rewards
- Cashback
- 1.5%-3%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Low FXTravel focus
- Cashback
- 1%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Visa / MCTiered rewards
- Cashback
- 0.1%-1%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa/Mastercard
Visa / MCTiered rewards
- Cashback
- 2%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Binance CardOverall58
Bybit Card (EU)Overall68
Pionex CardOverall57
Bybit Card (Global)Overall68
Binance CardOverall58Bybit Card (EU)Overall68Pionex CardOverall57Bybit Card (Global)Overall68- Special offer
- Binance CardNo active offerBybit Card (EU)No active offerPionex CardNo active offerBybit Card (Global)Get 10 USDT10 USDT referral reward after qualifying Bybit Card spend
Scores
6 fields- Overall Score
- Binance Card58Bybit Card (EU)68Pionex Card57Bybit Card (Global)68
- Cashback score
- Binance Card37Bybit Card (EU)47Pionex Card52Bybit Card (Global)62
- Travel score
- Binance Card36Bybit Card (EU)87Pionex Card29Bybit Card (Global)76
- Funds control score
- Binance Card47Bybit Card (EU)51Pionex Card43Bybit Card (Global)47
- Lowest fees score
- Binance Card56Bybit Card (EU)72Pionex Card58Bybit Card (Global)64
- Transfers score
- Binance Card75Bybit Card (EU)79Pionex Card79Bybit Card (Global)78
Strengths & trade-offs
2 fields- Strengths
- Binance CardSpend supported Binance crypto balances, Google Pay supportBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDTBybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard access
- Trade-offs
- Binance CardSpending follows the Binance account model, Virtual-only cardBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelPionex CardMastercard can cost up to 3.5%, General access is virtual-onlyBybit Card (Global)Spending follows the Bybit account model, FX can get expensive
Costs
7 fields- Plan cost
- Binance Card$0Bybit Card (EU)$0Pionex Card$0Bybit Card (Global)$0
- FX fee
- Binance Card2–3%Bybit Card (EU)0.5%Pionex CardNot disclosedBybit Card (Global)1–7%
- Top-up fee
- Binance CardNot disclosedBybit Card (EU)Not disclosedPionex CardNot disclosedBybit Card (Global)Not disclosed
- Card spending fee
- Binance CardNot disclosedBybit Card (EU)Not disclosedPionex Card3.5%Bybit Card (Global)Not disclosed
- ATM fee
- Binance CardNot disclosedBybit Card (EU)2%Pionex CardNot availableBybit Card (Global)0–2%
- Virtual card
- Binance CardVirtual card up to 15 minutes after approval; 0 USD issuance feeBybit Card (EU)FreePionex CardAvailableBybit Card (Global)No fee until further notice
- Physical card
- Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branchBybit Card (EU)First physical card freePionex CardNot availableBybit Card (Global)Free / 5 / 29.99
Plans
2 fields- Available plans
- Binance Card3 plans: Tier 1, Tier 2, Tier 3Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Pionex Card2 plans: Mastercard, VisaBybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2
- Top cashback plan
- Binance CardTier 3: 3%Bybit Card (EU)VIP 6 / PRO 3-5: 10%Pionex CardVisa: 1%Bybit Card (Global)Infinite: 10%
Everyday use
8 fields- Network
- Binance CardMastercardBybit Card (EU)MastercardPionex CardVisa/MastercardBybit Card (Global)Mastercard/Visa
- Card formats
- Binance CardVirtualBybit Card (EU)Virtual, PhysicalPionex CardVirtualBybit Card (Global)Virtual, Physical
- ATM withdrawals
- Binance CardNot disclosedBybit Card (EU)AvailablePionex CardNot availableBybit Card (Global)Available
- Mobile wallets
- Binance CardGoogle PayBybit Card (EU)Apple Pay, Google PayPionex CardApple Pay, Google PayBybit Card (Global)Not disclosed
- Apps
- Binance CardiOS, AndroidBybit Card (EU)iOS, Android, WebPionex CardNot disclosedBybit Card (Global)iOS, Android
- Daily spending limit
- Binance CardShown in appBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimePionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on networkBybit Card (Global)$1k Peru · $5k Argentina · $13.5k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN Mexico
- Monthly spending limit
- Binance CardShown in appBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimePionex Card$50,000-$100,000/month depending on networkBybit Card (Global)$5k Peru · $10k Argentina · $27k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN Mexico
- ATM limit
- Binance CardNot disclosedBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayPionex CardNot availableBybit 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 unsupported
Funding & transfers
5 fields- Networks
- Binance CardNot disclosedBybit Card (EU)Not disclosedPionex CardNot disclosedBybit Card (Global)Not disclosed
- Crypto deposits
- Binance CardOther crypto: Supported cryptoBybit Card (EU)Other crypto: Supported cryptoPionex CardOther crypto: Supported cryptoBybit Card (Global)Other crypto: Supported crypto
- Fiat deposits
- Binance CardBinance account bank depositBybit Card (EU)Bybit EU Funding Account depositPionex CardNot disclosedBybit Card (Global)Bybit account bank deposit
- Transfers
- Binance CardStablecoin transfers; Binance account fiat withdrawalBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-outBybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawal
- Payout currencies
- Binance CardNot disclosedBybit Card (EU)Not disclosedPionex CardNot disclosedBybit Card (Global)Not disclosed
Rewards
3 fields- Base cashback
- Binance Card1.5%Bybit Card (EU)1%Pionex Card0.1%Bybit Card (Global)2%
- Max cashback
- Binance Card3%Bybit Card (EU)10%Pionex Card1%Bybit Card (Global)10%
- Reward currency
- Binance CardUSDC or BTC equivalent cashback (country-dependent)Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Pionex CardUSDTBybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Binance CardNot offeredBybit Card (EU)Up to 8% APYPionex CardUp to 5% APYBybit Card (Global)Not disclosed
- How it works
- Binance CardNot offeredBybit Card (EU)Not disclosedPionex CardEarn on spending balanceBybit Card (Global)Earn on spending balance
- Separate deposit
- Binance CardNot offeredBybit Card (EU)Not disclosedPionex CardNoBybit Card (Global)Not disclosed
- Use balance for spending
- Binance CardNot offeredBybit Card (EU)Not disclosedPionex CardYesBybit Card (Global)Yes
- Lock-up
- Binance CardNot offeredBybit Card (EU)Not disclosedPionex CardNoBybit Card (Global)No
Trust & availability
3 fields- Custody
- Binance CardCustodialBybit Card (EU)CustodialPionex CardCustodialBybit Card (Global)Custodial
- Control until payment
- Binance CardProvider controls fundsBybit Card (EU)Provider controls fundsPionex CardProvider controls fundsBybit Card (Global)Provider controls funds
- Card issuer
- Binance CardImmersve LimitedBybit Card (EU)Harmoniie SAS, Moorwand LtdPionex CardNot disclosedBybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.
Sources
2 fields- Official sources
- Binance Card12Bybit Card (EU)10Pionex Card59Bybit Card (Global)9
- Last reviewed
- Binance CardAug 5, 2026Bybit Card (EU)Aug 14, 2026Pionex CardAug 14, 2026Bybit Card (Global)Aug 14, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.