Bybit - VIP Cardvsether.fi Cash - Cash Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric | BBMastercard Bybit - VIP Card Moorwand 7.2/10 Get card |  Third National Bank 7.6/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | 7.2/10 | Best 7.6/10 |
| Costs | ||
| Annual fee | None | None |
| FX fee | 2% | Best 0% |
| Crypto top-up | 0.9% | Best 0% |
| Issuance fee | $5 | Best Free |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | Best 2%–10% cashback | 3% cashback |
| Payout token | USDT | ETHFI |
| Staking | Bybit VIP status | $0 |
| Perks | Apple & Google Pay · AI & Streaming Rebates · Auto-Savings Yield | Apple & Google Pay · 3%–4% Cashback · Claude/ChatGPT MCP |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Countries | 21 (EEA, Switzerland, Australia, LATAM & APAC) | Best 25 (85+ countries (Global)) |
| Max daily spend | $10,000 | Best $25,000 |
| Monthly ATM limit | Best $10,000 | $750 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Best Ethereum, Arbitrum, BNB Chain, Solana +1 | Ethereum, Arbitrum, Base |
| Top-up tokens | Best USDT, USDC, BTC, ETH, SOL | USDC, ETH, USDT |
| Issuer | Moorwand | Third National Bank |
| Network | Mastercard | Visa |
The quick verdict
Bybit - VIP Card pays the highest headline cashback at 10%, but check the staking requirement: bybit vip status.
ether.fi Cash - Cash Card is the cheaper travel card at 0% FX, while Bybit - VIP Card wins on annual cost at $0.
Both cards are available in 21 and 25 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- 2% to 10% cashback in USDT
- 100% rebates on ChatGPT Plus, Claude Pro, Netflix & Spotify (Tier 3/VIP)
- 3% base cashback from Day 1 with no staking required on Core
- Borrow against yield-bearing restaked ETH/USDC vaults
Bybit - VIP Card vs ether.fi Cash - Cash Card — FAQ
Which is better, Bybit - VIP Card or ether.fi Cash - Cash Card?+
ether.fi Cash - Cash Card has the higher editor score. Bybit - VIP Card pays 2%–10% cashback with 2% FX, while ether.fi Cash - Cash Card pays 3% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Bybit - VIP Card or ether.fi Cash - Cash Card?+
Bybit - VIP Card has a no annual fee annual fee, 0.9% top-up fee and 2% FX. ether.fi Cash - Cash Card has a no annual fee annual fee, 0% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Bybit - VIP Card and ether.fi Cash - Cash Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.