Head to head
Bybit Card vs Wirex One
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | By Bybit Card | Wi Wirex One |
|---|---|---|
| Overall rank | #3 of 28 | #5 of 28 |
| FX spread | 0.5% | 0% |
| Base cashback | 2% paid in points | 0.5% paid in stables |
| Custody | Custodial | Self-Custodial |
| Virtual card | Free | Free |
| Physical card | $29.99 | Locked behind Premium tiers |
| Spend limit | $10,000 daily / $50,000 monthly | High, tier and source-of-wealth dependent |
| ATM withdrawals | First $100/month free, 2% flat thereafter | Free up to ~$250/month, 2% thereafter |
| Setup time | Fast to apply, but heavily gated for South African applicants | ~12 minutes |
| KYC steps | 6 | 5 |
| Score | 7.4/10 | 8.1/10 |
Bybit Card
Bybit's fee structure is heavy: a 2% regional FX fee plus a 0.9% conversion charge pushes the gross markup close to 3%. The 2% cashback pulls the net cost back to $1.49, about 0.76% above market, but rewards arrive as points rather than instant stablecoins. The 100% subscription rebate at higher spend is the strongest reason to hold it.
Wirex One
Wirex remains competitive. A 1.18% all-in spread puts it alongside Coca and Bitget as one of the cheapest cards tested for foreign-currency spending. They include crypto collateral credit, and Premium models are upgraded through Portfolio holdings
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+