Bybit pays 2–10% with no staking; Crypto.com needs CRO locked for its top rate. A numbers-first comparison to choose by profile.
Short answer: on accessible cashback, the Bybit Card wins — it pays from 2% up to 10% with no staking, and it's free. Crypto.com can reach 5%, but only if you stake CRO; without staking you're near 0%. Both pay rewards in a volatile in-house token. If you don't want to lock capital, Bybit is the stronger pick.
Here's the comparison, with the numbers.
Two opposite reward models
Bybit Card pays cashback by spending tier, from 2% up to 10%, in MNT (its native token) — crucially without staking. You spend, you earn; nothing is locked. The card is free (€0/year), on the Mastercard network.
Crypto.com pays in tiers that require staking CRO for 180 days. The entry card is free but earns 0% cashback; higher rates (up to 5%) need progressively larger CRO lock-ups. Rewards are paid in CRO, a volatile token, on Visa.
The numbers
| Criterion | Bybit Card | Crypto.com |
|---|---|---|
| Advertised cashback | 2% up to 10% (by spend) | 0% to 5% (by tier) |
| Real cashback without staking | 2%+ accessible, no lock-up | ~0% (CRO staking required) |
| Staking required | No | Yes, CRO locked 180 days |
| Reward currency | MNT (volatile token) | CRO (volatile token) |
| Network | Mastercard | Visa |
| Annual fee | €0 | €0 |
Data from our own database, hand-checked. "Real without staking" is the rate you actually get without locking capital.
The real trade-off
Both cards reward in a volatile in-house token, so that's a wash. The decisive difference is staking. Bybit gives you a meaningful cashback (2%+) the moment you spend, with nothing locked. Crypto.com's headline 5% is a conditional ceiling: no CRO staked means roughly 0% back. It's the pattern we document across a whole category in our 2026 crypto card study: the advertised rate and the rate actually paid are two different things.
The honest caveat: Bybit's rate rises with your spending tier, so the very top (10%) needs high monthly spend — but even the base tier beats a non-staked Crypto.com. One note on availability: the Bybit Card is offered across the UK, Germany, Austria, Spain, Italy and Portugal, but not every EEA market.
So which should you choose?
- ▸You don't want to lock capital → Bybit Card: free, 2%+ with no staking, higher ceiling by spend.
- ▸You're already deep in the Crypto.com ecosystem and happy to stake CRO knowingly → Crypto.com unlocks its tiers and extra perks (subscription rebates on higher levels).
- ▸You're unsure → start with no-staking cards; for most spenders that's the best cashback-to-effort ratio.
Frequently asked questions
Bybit or Crypto.com: which has the better cashback? On the rate actually earned, Bybit — it pays 2% and up with no staking. Crypto.com can reach 5% but only with CRO staked; without staking it's near 0%.
Do I need to stake for cashback? With Bybit, no. With Crypto.com, yes — cashback depends on the amount of CRO locked for 180 days.
What currency are the rewards paid in? Bybit pays in MNT, Crypto.com in CRO — both volatile in-house tokens, so track their value when you receive and spend them.
Is the Bybit Card available in the UK and Europe? It's offered in the UK and several EEA markets (Germany, Austria, Spain, Italy, Portugal). Check current availability on our brand pages.
Are there annual fees? No, both are €0/year on the cards compared here. The real costs are token volatility and, for Crypto.com, locked staking capital.
This article compares product features for information only and is not investment advice. Rates, conditions and availability change — always check the latest details with the issuer before signing up.
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