14Products profiled
6Markets covered
8Decision criteria
0Paid rankings
Interactive decision desk
Recorded research dataCompare the products that fit the same job.
Start with a market, choose two products and inspect structure, custody, costs and risk—not a single promotional score.
EFCrypto Cards
Ether.fi
A crypto-native Visa credit card with direct-pay and collateralised borrowing modes.
- Best for
- Onchain users who value cashback and membership perks
- Watch first
- Borrowing, collateral and reward-token exposure
BYCrypto Cards
Bybit Card
A Mastercard debit card that draws from fiat or supported crypto in a Bybit EU Funding Account.
- Best for
- Existing Bybit users seeking simple card spending
- Watch first
- Exchange custody, conversion and FX costs
Direct comparison
Both products sit in Crypto Cards, so the criteria below are directly useful for a shortlist.
At a glance
Ether.fi
Bybit Card
Product type
Crypto credit card
Exchange-linked crypto card
Best suited to
Onchain users who value cashback and membership perks
Existing Bybit users seeking simple card spending
Custody / account
Non-custodial account structure
Assets held through a Bybit funding account
Market access
Visa spending with Direct Pay or Borrow mode
Mastercard spending from fiat or supported crypto
Fee model
Membership and usage based
0.9% crypto conversion · 0.5% FX
Primary risk
Borrowing, collateral and reward-token exposure
Exchange custody, conversion and FX costs
Rewards / programme
Available; terms apply
Available; terms apply
Last verified
03 Oct 2026
03 Oct 2026
Editorial comparisons
Verified context beyond the selector.
Deep comparisons document the terms, assumptions and product-specific details that cannot be reduced to one score.
Priority comparison
Ether.fi vs Bybit Card
Compare funding, custody, cashback, conversion, FX and subscription benefits using verified EU product terms.
Open full comparisonAt a glance
Ether.fi
Bybit Card
Card structure
Visa credit card
Mastercard debit card
How spending is funded
USDC/LiquidUSD Direct Pay or collateralised Borrow mode
EUR or supported crypto held in a Bybit EU Funding Account
Custody model
Onchain account and vault structure
Centralised exchange Funding Account
Published everyday cashback
3% in first Core, Luxe and Pinnacle bands; 4% VIP
1% uncapped for non-VIP eligible spend; separate VIP tiers
Reward delivery
ETHFI after settlement, 7-day lock and $5 claim minimum
Reward Points; optional daily Auto Cashback after 50-point minimum
Crypto conversion
Direct Pay uses eligible stable-value balances; Borrow creates a variable-rate loan
0.9% fee when non-fiat assets fund the purchase
Published EUR/FX detail
0% provider markup on EUR purchases in beta; broader fee page needs careful reading
0.5% for spending outside the card currency, plus Mastercard rate
Subscription benefit
10–30% on named subscriptions by level, capped at $10–$30 monthly
Up to 100% on named subscriptions for a new non-VIP user's first 30 days, capped at €50
ATM detail
$1,000 per withdrawal and five withdrawals per rolling 24 hours; tier fee terms vary
2% after the first €100 withdrawn each month
Progression
Monthly points, eligible balances, staked ETHFI or annual upgrade
Separate Bybit VIP status and reward tiers