Head to head
Coca Card vs Bybit Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Co Coca Card | By Bybit Card |
|---|---|---|
| Overall rank | #1 of 10 | #9 of 10 |
| Gross FX spread | 1.18% | 2.53% |
| Net cost on test | $1.47 after cashback | ~$1.49 after points |
| Base cashback | 1% in USDC, paid on the 10th | 2% paid in points |
| Custody | Non-Custodial | Custodial |
| Virtual card | Free | Free |
| Physical card | $1 + international shipping | $29.99 |
| Spend limit | $30,000 / month | $10,000 daily / $50,000 monthly |
| ATM withdrawals | Fee-free up to $250/month, network fees apply above | First $100/month free, 2% flat thereafter |
| Setup time | ~8 minutes | Fast, but heavily gated for South Africans |
| KYC steps | 4 | 6 |
| Score | 9.2/10 | 7/10 |
Coca Card
Coca lands at the top because it pairs a fully non-custodial architecture with stablecoin cashback that actually cancels out its spread. One tier upgrade makes it the strongest card in the test.
Bybit Card
Bybit's fee structure is heavy: a 2% regional FX fee plus 0.9% conversion pushes gross markup close to 3%. The 2% cashback brings net cost back to $1.49 (~0.76% above market), but rewards are paid in points rather than instant stablecoins. The 100%-off subscriptions are a heavy incentive.
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+