Bybit Card vs Gemini Credit Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Bybit Card wins overall (6.7/10 vs 5.4/10). The right pick still depends on your priority - see the flow comparison below.
 Bybit Card |  Gemini Credit Card | |
|---|---|---|
| Overall score | 6.7 | 5.4 |
| BTC load | BTC via in-app conversion | No direct BTC load |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0.9% | 0% |
| FX fee | 2% | 0% |
| Monthly fee | none | none |
| Cashback | 2% in USDT | 4% in BTC |
| Regions | APAC, MENA, LATAM, GLOBAL, EEA | US |
Pick Bybit Card if
- Wider documented availability
Pick Gemini Credit Card if
- Known fee stack (2.9 vs 0.0 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 2)
Bybit Card
The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
Gemini Credit Card
The most regulated issuer context for a crypto-rewards credit card (NYDFS trust, WebBank-issued Mastercard World Elite): 4% gas/EV/transit, 3% dining, 2% groceries, 1% elsewhere, no annual fee, rewards in BTC or 50+ cryptos. It is a credit product (bureau approval, no crypto funding), US-only, and the issuer carries a 2025-2026 withdrawal-security-hold complaint pattern at the exchange level.