Where the card is open, it does the job: Mastercard acceptance, wallet support, 1% back with no recurring fee, and limits that stay out of the way. The fiat-first funding design beats a pure auto-sell card for anyone disciplined about keeping fiat on the account. The bybit.com EUR card closed to new EEA applicants on Jan. 1, 2026, and the two replacement products carry unconfirmed terms. Add a 10% ceiling that needs VIP5 under a capped monthly reward, plus a 0.9% spread and a taxable sale on every crypto-settled purchase, and the fair rating is a competent 1% card (2% at VIP1) in its live regions with an unresolved availability question hanging over the EEA.