Result: Tie
It's a tie 1–1 — each card wins something the other loses. Gate Card converts cheaper (0.0%); Bybit Card pays more back (Up to 10%). Pick the one whose strength matches how you actually spend.
Bybit Card and Gate Card both work at any Visa or Mastercard terminal, but what they charge and who they accept differ. On conversion cost Gate Card is clearly ahead at 0.0%; Bybit Card takes 0–2%, which compounds fast if the card is your daily spender. Rewards favour Bybit Card at Up to 10%, which is worth taking at face value only if you can meet the tier it is attached to. Both settle comfortably from stablecoins, which is the sane way to use either card — spending a volatile coin locks in that day's price and creates a taxable disposal. Both are usable across EU, Global, so availability will not be the deciding factor there.
0.0% vs 0–2%
Up to 10% vs Up to 1%
Both require Full KYC
Both available in 2 regions
Lower conversion cost (0.0%) on every purchase.
Up to 10% against Up to 1%.
It's a tie 1–1 — each card wins something the other loses. Gate Card converts cheaper (0.0%); Bybit Card pays more back (Up to 10%). Pick the one whose strength matches how you actually spend.
Both settle from stablecoins (Bybit Card: BTC, ETH, USDT +8; Gate Card: BTC, ETH, USDT), which avoids locking in a volatile price at the till.
Both accept BTC, ETH, USDT. Beyond that, Bybit Card supports BTC, ETH, USDT +8 and Gate Card supports BTC, ETH, USDT.
In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.
Yes. Many users keep Gate Card for everyday spending because of its lower conversion cost and Bybit Card for categories where its rewards apply.
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