Bybit Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Bybit Card 3.0/5 self_custodialboth	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	None	Free (all tiers)
Issuance Fee	Free	See card_tiers
Rewards
Max Cashback	2% (VIP 0-2), 4% (VIP 3), 6% (VIP 4), 8% (VIP 5), 10% (Supreme VIP)	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No staking requirements for rewards (unlike many competitors) Generous cashback rates up to 10% based on VIP level 100% rebates on popular subscriptions (Netflix, Spotify, Amazon Prime, TradingView, ChatGPT) Seamless integration with Bybit's broader ecosystem	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
Cons	Limited geographic availability (unavailable in US, UK, Canada, France, Singapore, China, and other major markets) Restricted selection of supported cryptocurrencies (region-dependent) EEA/Switzerland new users limited to 3 payment crypto assets High foreign exchange fees in some regions (Argentina: 7% + 5% FX fill; Brazil: 1.5% + 3% FX fill)	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending