Bybit Card vs YEX
Both Bybit Card and YEX clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Bybit Card issues on Mastercard · Visa and YEX on Visa; verification is ID only at Bybit Card versus ID + proof at YEX; only Bybit Card funds by bank transfer.
Bybit Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. YEX still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The head to head
| Field | Bybit Card | YEX |
|---|---|---|
| Card network | Mastercard, Visa | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free |
| Top-up fee | — | — |
| FX fee | 1%-2% | 0% |
| Crypto funding | Yes | Yes |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 9.3 | 8.4 |
| User reviews | 54 | 274 |
| Best for | All-rounder · AI subscriptions | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- Bybit Card asks for less verification up front, which matters if you want a card live the same day.
- In our scoring, Bybit Card finished ahead of YEX — not by a mile, but enough to tilt a tiebreak.
The two, compared
Bybit Card is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at YEX. YEX earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Bybit Card scores 9.3/10 against YEX's 8.4/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Bybit Card is the cheaper card to run. Both Bybit Card and YEX issue virtual cards for free; Bybit Card converts currency at 1% versus 0%.
Bybit Card asks for ID only at signup; YEX asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 15 of the same test scenarios, including OpenAI API, Suno AI, Udio AI. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Bybit Card and YEX both landed in our top picks for 15 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 4
📺 Streaming & Entertainment 2
🛍️ Cross-border Shopping 1
🧳 Travel & Productivity 1
Their BIN ranges
Cards issued in 🌎 Latin America · 🇨🇦 Canada — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: