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Choose 2–4 cards to compare fees, rewards and everyday use.

Best known Not disclosed

Scroll for more cards and details.

Feature

Scores

Overall Score: Krak Card
74
Bybit Card (Global)
72
Bitpanda Card
73
Bybit Card (EU)
68

Cashback score: Krak Card
41
Bybit Card (Global)
63
Bitpanda Card
60
Bybit Card (EU)
47

Travel score: Krak Card
83
Bybit Card (Global)
80
Bitpanda Card
79
Bybit Card (EU)
87

Funds control score: Krak Card
56
Bybit Card (Global)
51
Bitpanda Card
56
Bybit Card (EU)
51

Lowest fees score: Krak Card
72
Bybit Card (Global)
66
Bitpanda Card
67
Bybit Card (EU)
72

Transfers score: Krak Card
97
Bybit Card (Global)
79
Bitpanda Card
85
Bybit Card (EU)
79

Choosing a card

Best fit

Krak Card

Existing Kraken users whose account balances already count toward rewards.
Choosing regional fiat or BTC for automatically credited cashback.

Bybit Card (Global)

Spending supported crypto already held in your Bybit account.
Earning convertible Bybit Points on eligible crypto-funded purchases.

Bitpanda Card

Spending crypto or metals already held in your Bitpanda account.
Choosing a main payment asset and a fallback to cover a purchase.

Bybit Card (EU)

Spending from an existing Bybit EU Funding Account in EUR or supported crypto.
Earning the current 1% base cashback without a monthly cap or token holding.

Before you choose

Krak Card

Starter pays 0%; ongoing cashback needs a qualifying 30-day average balance.
Crypto-funded purchases include a variable conversion spread shown in the app.

Bybit Card (Global)

Fiat-funded purchases earn neither cashback nor Rewards Points.
Crypto conversion usually costs 0.9%; regional FX fees can add more.

Bitpanda Card

Crypto sale fees can outweigh 1% cashback; BTC costs 0.99%, other assets more.
Stablecoins, metals and EUR earn no cashback; mainly EUR use is prohibited.

Bybit Card (EU)

Crypto-funded purchases add 0.9% conversion; foreign spending adds 0.5% FX.
Higher reward rates require Bybit EU VIP status and have monthly caps.

Costs

Plan cost: Krak Card
$0
Bybit Card (Global)
$0
Bitpanda Card
$0
Bybit Card (EU)
$0

FX fee: Krak Card
0–1%
Bybit Card (Global)
1.5–7%
Bitpanda Card
0% Bitpanda FX markup on non-EUR transactions; Visa mark-up may apply. Asset sale fees remain payable
Bybit Card (EU)
0.5%

Top-up fee: Krak Card
Not disclosed
Bybit Card (Global)
Not disclosed
Bitpanda Card
EUR SEPA deposits and withdrawals: no Bitpanda fee. PayPal deposit: 1.49%. Bank charges and other methods may differ. These fund the provider account
Bybit Card (EU)
Not disclosed

Card spending fee: Krak Card
0%
Bybit Card (Global)
Not disclosed
Bitpanda Card
Not disclosed
Bybit Card (EU)
Not disclosed

ATM fee: Krak Card
0% Krak fee; ATM operator may charge
Bybit Card (Global)
0–2%
Bitpanda Card
2%; min €2
Bybit Card (EU)
2%

Virtual card: Krak Card
Free
Bybit Card (Global)
No fee until further notice
Bitpanda Card
Not disclosed
Bybit Card (EU)
Free

Physical card: Krak Card
Plastic £0/€0/$0. UK/EEA metal threshold £/€50,000; US metal threshold conflicts between $50,000 pricing and a $75,000 announcement. Confirm eligibility in app.
Bybit Card (Global)
Free / 5 / 29.99
Bitpanda Card
First card free. One active physical card per user.
Bybit Card (EU)
First physical card free

Plans

Available plans: Krak Card
10 plans: Starter, Lite, Pro, Elite +6
Bybit Card (Global)
6 plans: Base, Beta, Alpha, Apex +2
Bitpanda Card
1 plans: Standard
Bybit Card (EU)
6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2

Top cashback plan: Krak Card
Max: 2%
Bybit Card (Global)
Infinite: 10%
Bitpanda Card
Standard: 1%
Bybit Card (EU)
VIP 6 / PRO 3-5: 10%

Everyday use

Network: Krak Card
Mastercard/Visa
Bybit Card (Global)
Mastercard/Visa
Bitpanda Card
Visa
Bybit Card (EU)
Mastercard

Card formats: Krak Card
Virtual, Physical
Bybit Card (Global)
Virtual, Physical
Bitpanda Card
Virtual, Physical
Bybit Card (EU)
Virtual, Physical

ATM withdrawals: Krak Card
Available
Bybit Card (Global)
Available
Bitpanda Card
Available
Bybit Card (EU)
Available

Mobile wallets: Krak Card
Apple Pay, Google Pay
Bybit Card (Global)
Apple Pay, Google Pay · Region dependent
Bitpanda Card
Apple Pay, Google Pay
Bybit Card (EU)
Apple Pay, Google Pay

Apps: Krak Card
iOS, Android
Bybit Card (Global)
iOS, Android
Bitpanda Card
iOS, Android, Web
Bybit Card (EU)
iOS, Android, Web

Daily spending limit: Krak Card
UK: £22,000/day; EEA: €12,000/day; US: $12,000/day
Bybit Card (Global)
$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN Mexico
Bitpanda Card
€10,000 per day; €70,000 per week. Minimum card payment €1.
Bybit Card (EU)
€5k / €10k / €15k by tier · Lite €150 lifetime

Monthly spending limit: Krak Card
UK: £22,000/month; EEA: €12,000/month; US: $22,000/month
Bybit Card (Global)
$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN Mexico
Bitpanda Card
€280,000 per month
Bybit Card (EU)
€10k / €25k / €50k by tier · Lite €150 lifetime

ATM limit: Krak Card
UK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/month
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 unsupported
Bitpanda Card
€500 per day
Bybit Card (EU)
€2k / €5k / €10k by tier · €2k per withdrawal and per day

Funding & transfers

Networks: Krak Card
Not disclosed
Bybit Card (Global)
Not disclosed
Bitpanda Card
Not disclosed
Bybit Card (EU)
Not disclosed

Crypto deposits: Krak Card
Other crypto: Supported crypto
Bybit Card (Global)
Other crypto: Supported crypto
Bitpanda Card
Stablecoins: USDC
Bybit Card (EU)
Other crypto: Supported crypto

Fiat deposits: Krak Card
GBP bank transfer, EUR bank transfer, USD bank transfer
Bybit Card (Global)
Bybit account bank deposit
Bitpanda Card
EUR SEPA deposit
Bybit Card (EU)
Bybit EU Funding Account deposit

Transfers: Krak Card
Stablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPA
Bybit Card (Global)
Stablecoin transfers; Bybit account fiat withdrawal
Bitpanda Card
Stablecoin transfers; EUR SEPA withdrawal
Bybit Card (EU)
Stablecoin transfers; Bybit EU account fiat withdrawal

Payout currencies: Krak Card
GBP, EUR
Bybit Card (Global)
Not disclosed
Bitpanda Card
EUR
Bybit Card (EU)
Not disclosed

Rewards

Base cashback: Krak Card
0%
Bybit Card (Global)
2%
Bitpanda Card
1%
Bybit Card (EU)
1%

Max cashback: Krak Card
2%
Bybit Card (Global)
10%
Bitpanda Card
1%
Bybit Card (EU)
10%

Reward currency: Krak Card
GBP, EUR, USD or BTC
Bybit Card (Global)
USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)
Bitpanda Card
Same eligible cryptocurrency used for payment
Bybit Card (EU)
EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)

Earn

Advertised APY: Krak Card
Up to 3.6% APY
Bybit Card (Global)
Not disclosed
Bitpanda Card
Not disclosed
Bybit Card (EU)
Up to 8% APY

How it works: Krak Card
Optional earn vault
Bybit Card (Global)
Earn on spending balance
Bitpanda Card
Earn on spending balance
Bybit Card (EU)
Not disclosed

Separate deposit: Krak Card
Yes
Bybit Card (Global)
Not disclosed
Bitpanda Card
No
Bybit Card (EU)
Not disclosed

Use balance for spending: Krak Card
No
Bybit Card (Global)
Yes
Bitpanda Card
Yes
Bybit Card (EU)
Not disclosed

Lock-up: Krak Card
Not disclosed
Bybit Card (Global)
No
Bitpanda Card
No
Bybit Card (EU)
Not disclosed

Trust & availability

Custody: Krak Card
Custodial
Bybit Card (Global)
Custodial
Bitpanda Card
Custodial
Bybit Card (EU)
Custodial

Control until payment: Krak Card
Provider controls funds
Bybit Card (Global)
Provider controls funds
Bitpanda Card
Provider controls funds
Bybit Card (EU)
Provider controls funds

Card issuer: Krak Card
Monavate Limited, Lead Bank, UAB Monavate
Bybit Card (Global)
Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.
Bitpanda Card
Transact Payments Malta Limited
Bybit Card (EU)
Harmoniie SAS, Moorwand Ltd

Card processing: Krak Card
Stripe
Bybit Card (Global)
Not disclosed
Bitpanda Card
Marqeta
Bybit Card (EU)
Not disclosed

Programme operator: Krak Card
Payward Wallet, Inc.
Bybit Card (Global)
Not disclosed
Bitpanda Card
Not disclosed
Bybit Card (EU)
Not disclosed

Sources

Official sources: Krak Card
26
Bybit Card (Global)
9
Bitpanda Card
16
Bybit Card (EU)
10

Last reviewed: Krak Card
Oct 16, 2026
Bybit Card (Global)
Oct 20, 2026
Bitpanda Card
Oct 6, 2026
Bybit Card (EU)
Oct 11, 2026

Signup offers

Bybit Card (Global)

Partner offer

Get 10 USDT

Spend more than 100 USDT or equivalent with the Bybit Card.

Offer details & conditions

Apply for a Bybit Card using this referral link.

If the referral is not shown automatically, use this promo code.EXVJGK

Offer terms can change. Check the current Bybit Card referral programme before applying.

Get Bybit Read review

See other offers

Bonuses do not affect scores.

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Compare the details

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Bybit Card (Global)