Result: Tie
It's a tie 1–1 — each card wins something the other loses. Gnosis Pay converts cheaper (0.0%); Bybit Card pays more back (Up to 10%). Pick the one whose strength matches how you actually spend.
Gnosis Pay and Bybit Card both work at any Visa or Mastercard terminal, but what they charge and who they accept differ. On conversion cost Gnosis Pay 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, so availability will not be the deciding factor there.
0.0% vs 0–2%
Up to 10% vs —
Both require Full KYC
Both available in 2 regions
Lower conversion cost (0.0%) on every purchase.
Up to 10% against —.
Only Bybit Card is available in US.
Only Bybit Card is available in LATAM.
It's a tie 1–1 — each card wins something the other loses. Gnosis Pay converts cheaper (0.0%); Bybit Card pays more back (Up to 10%). Pick the one whose strength matches how you actually spend.
Yes. Gnosis Pay converts at 0.0% against 0–2%, a difference of about $10.00 per $1,000 spent.
Bybit Card, at Up to 10% versus —. Top rates normally require a staking or volume tier.
Gnosis Pay: Full KYC. Bybit Card: Full KYC.
Bybit Card is available to US residents; Gnosis Pay is not currently offered there (EU, UK only).
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