WEEKLY WRAP · 2026-10-06
8 quick hits · market context · 64 cards updated
RATES
From 10:00 UTC on October 5, the Bybit Card only pays cashback on eligible transactions funded with crypto. Spend a fiat balance and you earn nothing, whatever your tier. The same announcement ends the 100% subscription cashback for non-VIP Tier 2 Beta users, while VIP Tier 2 Beta keeps it. Bybit's announcement page would not load for us (it returned a 503), so these terms come from Bybit's help centre and search results rather than the page itself. The tier ladder in our entry has not moved: 2% at the base tier capped at $5 a month, up to 10% at the top capped at $600. What moved is the condition underneath it. If you have been topping up with euros or dollars and spending them directly, the rate you were comparing against is now 0%. Spending crypto earns again, but our entry records a 0.9% conversion cost on that route, so at the base tier the net is closer to 1.1% until the $5 cap ends it. We have not seen whether bybit.eu's flat 1% EU base programme follows the same funding rule, and our entry does not assume either way. Our read: this is a quieter cut than lowering the rate, and a more effective one. The headline stays at 10%. The share of spend that qualifies for it shrinks.
RATES
Two US cards rewrote who earns what. X Money first. money.x.com now offers the account and the X Card to free accounts, where until now Premium ($84 a year on the web) or Premium+ was the way in. The catch is a deposit condition. Free accounts get the boosted up to 3% cashback and 6% APY only after $1,000 or more of qualifying deposits in a trailing 34-day period, and ATM operator fee refunds drop to two a month (up to $4 each) instead of unlimited. Premium and Premium+ users keep up to 3% with no deposit test. So the subscription went from entry ticket to shortcut. Venmo went the other direction on flexibility. The card used to put 3% on your top spending category and 2% on your second, automatically. New applicants now get fixed categories instead: 3% on dining, entertainment, streaming and online checkouts with Venmo, 4% when a dining or entertainment purchase is split with a friend on Venmo, and 1% on everything else. Doctor of Credit reports existing cardholders keep the old structure for now. Rewards still convert to BTC, ETH, LTC or BCH if you want them to. Honestly, if your biggest category was groceries or gas, the new Venmo card is a 1% card for you.
Source: Card Pilled X Money Card → Venmo Credit Card →
RATES
The fee change we first flagged on September 8 is now in force. Plus and Pro cardholders spending outside the EU and UK pay no FX fee up to €400 or €800 a month, then 2%. The bigger number to fix is ours. Our October 1 deep review found that the 2%, 3%, 4% and 5% ladder we carried came from one reading of crypto.com/eea/cards, and that Crypto.com's EEA card page, global card page and help centre now all publish something else: Plus 1.5% on the first $750 of monthly purchases, Pro 2.5% on the first $1,500, and the two Private tiers 3.5% on the first $3,000 then 0.5%, and 4.5% on the first $5,000 then 1%. That spend window matters more than the rate. On Plus, anything past $750 in a month earns 0%. Put the two changes together and a Plus member spending $1,000 a month abroad earns 1.5% on three quarters of it and pays 2% FX on whatever exceeds €400. Our September 1 wrap repeated the 5% figure, so treat this as the correction to that line.
Source: CryptoTicker Crypto.com Visa Card →
EXPANSION
Neither card is new, but both are new to us, and they are the first Taiwanese bank cards in our database. KGI Bank's Crypto Rewards Card launched in March 2025. It is a Mastercard credit card paying 1% on domestic spend and 2% overseas, both uncapped, with 3% at designated restaurants, petrol stations and gaming platforms up to small per-statement caps. Points redeem in 300-point blocks to BitoPro or MAX, and the 1.5% foreign transaction fee is waived until December 31. The Union Bank of Taiwan MaiCoin Card, a Visa Signature from April 2026, pays 0.5% base plus a level bonus set by last month's spend, for 1.5%, 2.5% or 4.5% in total, through April 30, 2027, redeemed as BTC, ETH or USDT in MaiCoin. Both work like Japan's SBI crypto card: an ordinary bank credit card whose points happen to become crypto, with a TWD annual fee that is easy to waive and a Taiwanese bank, not an exchange, on the other end. Our read: the MaiCoin card's 4.5% is the bigger number, but it needs TWD 30,001 or more of monthly spend and the bonus is capped, while KGI's 2% overseas has no cap at all. For a Taiwanese traveller, KGI is probably the simpler card.
Source: Card Pilled KGI Crypto Rewards Card (幣享卡) → Union Bank MaiCoin Card →
Market Context
Almost nothing that changed this week touched a headline rate. Bybit still says up to 10%. X Money still says up to 3%. Crypto.com's ladder got smaller in our data, but only because we had it wrong. What changed was the fine print under the number: which money you spent (Bybit), how much you deposited in the last 34 days (X Money), what you bought (Venmo), how much of your month it covers (Crypto.com's spend windows), and a fee that switched back on (MEXC). Our read: this is how cashback gets cut now. A rate cut makes news; a funding condition rarely does, and it can remove more of what you actually earn. When you compare cards, the condition is worth reading before the percentage. Our own records were busy again. The monthly deep review and Friday's rotating check touched around sixty entries, a good share of them fee corrections where we had been estimating a 1.5% conversion cost that the provider's own terms put at 0% or at something else entirely. Five cards were added. We now track 217 cards: 178 active, 31 discontinued, 5 announced and 3 unclear.
Cards updated this week: Bybit Card → X Money Card → Venmo Credit Card → Crypto.com Visa Card → Crypto.com US Credit Card → MEXC Global Card → Solid Card → RedotPay → Gnosis Pay → Rebind Card → Krak Card → KAST Card → Pengu Card → Plasma One Card → Coinbase One (Amex) → Trade Republic Card → Uphold Card → Curve Card → Bitget Wallet Card → Rizon Card → COCA Card → Oobit Card → Fold Credit Card → Fold Card → Aven Bitcoin Visa Card → Hyperbeat Card → Bringin Card → Kripicard → Robinhood Gold Card → Robinhood Platinum Card → Gemini Credit Card → dtcpay Digital Treasures Card → Bitwala Card → Karta Card → Plenti Card → xPortal Card → Bitsa Card → Kredete Card → Goblin Card → xKard → Tangem Pay → SPENDL Money Card → Floki Card → Exa Card → Solayer Pay (formerly Emerald Card) → Bitpanda Card → MaxSwap Virtual Card → THORWallet Mastercard → Lemon Card → DeCard → Wayex Card → XPlace Card → DeBLOCK Card → Bitstack Card → E Money Card → BingX Card → Avici Card → Laso Finance Card → Wallbit Card →
New cards added: KGI Crypto Rewards Card (幣享卡) → Union Bank MaiCoin Card → ARQ Card → ZAR Card → WaldenPay Virtual Card →
Every recorded change, card by card →
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