Get Real Cashback on Your Crypto Spending with the Bybit EU Card

If you've been holding crypto but rarely spending it, you're missing out on a simple way to turn your digital assets into everyday purchases. The Bybit EU Card bridges that gap, letting you spend your USDC and other cryptocurrencies just like regular money while earning cashback on every transaction.

What Makes the Bybit EU Card Different

Most crypto cards either charge hefty fees or offer minimal rewards. The Bybit EU Card takes a different approach. It's designed for people who actually use their crypto, not just hold it. You can load your card with USDC or other supported cryptocurrencies, and spend anywhere that accepts regular payment cards across Europe.

The card connects directly to your Bybit account, which means you're not juggling multiple platforms or waiting days for transfers. Everything happens in real-time, and you can track your spending through the same app you use for trading.

How the Cashback System Works

Here's where things get interesting. The Bybit EU Card offers 20% cashback on your spending, which is significantly higher than most traditional credit cards. This isn't just a promotional rate that disappears after a few months—it's built into how the card works.

The cashback gets credited to your account in USDC, so you're earning stable cryptocurrency that you can either spend again or convert to other assets. If you're someone who regularly uses crypto for transactions, this creates a nice feedback loop where your spending generates more spendable crypto.

To unlock the cashback feature, you need to make transactions totaling at least €100. This can be one large purchase or multiple smaller ones—five €20 transactions work just as well as a single €100 purchase. Once you hit that threshold, the cashback mechanism activates within 10 days, and you'll also receive a 10 USDC bonus.

Getting Started with Your Card

Applying for the Bybit EU Card is straightforward. You'll need an active Bybit account and basic verification completed. The application process happens entirely within the Bybit platform, so there's no jumping between different websites or filling out lengthy paper forms.

For crypto users looking to make their digital assets more practical, 👉 explore how Bybit's card and exchange services work together to maximize your crypto utility. The integration between trading and spending features sets it apart from standalone card providers.

Once your card is approved, you can load it with funds from your Bybit wallet. The supported cryptocurrencies include USDC, USDT, and several other major coins. The card automatically converts your crypto to euros at the point of sale, using competitive exchange rates without hidden markups.

Real-World Use Cases

Think about your daily spending—coffee shops, grocery stores, online subscriptions, restaurant bills. All of these become opportunities to earn cashback when you use the Bybit EU Card. The card works with contactless payment terminals, so you can tap and pay just like any other card.

One practical advantage is budget management. Since you're loading the card from your crypto holdings, you have clear visibility into what you're spending. Unlike credit cards that can lead to overspending, you're working with funds you've already allocated. This makes it easier to stick to spending plans while still earning rewards.

The card also works well for travelers within Europe. You're not dealing with foreign transaction fees or unfavorable exchange rates that banks typically charge. Your crypto converts to the local currency at market rates, making cross-border spending more economical.

Additional Benefits Beyond Cashback

The referral program adds another earning dimension. Once you've activated your card and met the initial spending requirement, you can invite others to get their own Bybit EU Card. Each successful referral earns you 20 USDC, creating a potential income stream if you're active in crypto communities.

This isn't just about stacking rewards—it's about building a network of people who use crypto practically. If you introduce friends or family to the card, you're all benefiting from a payment system that offers better rates than traditional banking.

The card also helps with crypto adoption in your daily life. Instead of explaining to merchants that you want to pay with Bitcoin, you're using a familiar payment method that happens to be funded by crypto. This removes friction from the spending process while keeping you connected to the cryptocurrency ecosystem.

Managing Your Card Through Bybit

Everything card-related lives in the Bybit app. You can check your balance, review transaction history, load more funds, and track your cashback earnings all from one interface. This centralization makes management simple compared to financial products that scatter your information across multiple platforms.

Security features include instant card freezing if you lose your phone or suspect unauthorized use. You can unfreeze it just as quickly once the situation is resolved. Transaction notifications arrive in real-time, so you always know when your card is being used.

For those already active on Bybit's exchange, the card integration becomes even more valuable. You can move funds between trading and spending seamlessly, taking advantage of market movements while maintaining purchasing power for daily needs. 👉 Learn more about how Bybit's comprehensive platform supports both trading and practical crypto usage.

Is This Card Right for You?

The Bybit EU Card makes the most sense if you're already comfortable with cryptocurrency and looking for practical ways to use it. If you're holding USDC or other stablecoins and want to spend them without converting back to traditional currency first, this card eliminates unnecessary steps.

The 20% cashback rate is particularly appealing for regular spenders. If you're putting €500 per month through the card, that's €100 back in USDC annually—money that compounds if you keep it in crypto or use it for additional purchases.

However, this isn't a card for crypto beginners who haven't yet built up holdings. You need cryptocurrency to load onto the card, and you should be familiar with how digital wallets and exchanges work. If you're just starting your crypto journey, consider building your knowledge and holdings first before adding a spending card to the mix.

The bottom line: the Bybit EU Card transforms crypto from a speculative asset into a functional payment tool while rewarding you for using it. For Europeans who live partially in the crypto economy, it's one of the better bridges between digital and traditional finance.