Rewards calculator
What each card pays you back in a year, minus every fee: plan, FX, per-purchase, small-purchase and top-up. Pick where you live: a card that bills in your currency charges no FX fee at home. Then compare tiers across up to three cards, or see one card line by line.
Tiers of Bybit Card and Ethena Pay at $1,000 a month · best for you: Bybit Supreme VIP ($1,068 a year)
| Card · tier | Rewards / yr | Plan and card fees / yr | FX cost / yr | Purchase fees / yr | You keep / yr | Notes |
|---|---|---|---|---|---|---|
| $1,200 | $0 | −$24.00 | −$108 | $1,068 | Needs: Bybit Supreme VIP | |
Ethena PayVIPPrice not published | $600 | $0 | −$12.00 | $0 | $588 | Tier price not published · Needs: Lock $10000 in ENA or invite 50 users |
Ethena PayProPrice not published | $540 | $0 | −$12.00 | $0 | $528 | Tier price not published · Needs: Lock $2000 in ENA or invite 10 users |
Ethena PayStandardFree | $480 | $0 | −$12.00 | $0 | $468 | |
Bybit CardVIP 3 (Alpha)Free | $480 | $0 | −$24.00 | −$108 | $348 | Needs: Bybit VIP 3 |
Bybit CardVIP 1 to 2Free | $240 | $0 | −$24.00 | −$108 | $108 | Bybit VIP 1 or 2 |
Which one pays off at your spend
| Monthly spend | Best tier | You keep / yr |
|---|---|---|
| $250 | Bybit Supreme VIP | $267 |
| $500 | Bybit Supreme VIP | $534 |
| $1,000 | Bybit Supreme VIP | $1,068 |
| $2,000 | Bybit Supreme VIP | $2,136 |
| $3,000 | Bybit Supreme VIP | $3,204 |
| $5,000 | Bybit Supreme VIP | $5,340 |
| $10,000 | Bybit Supreme VIP | $10,680 |
Bybit Card
- VIP 3 (Alpha) (free) beats VIP 1 to 2 (free) once you spend $1 a month. Needs: Bybit VIP 3.
- Supreme VIP (free) beats VIP 3 (Alpha) (free) once you spend $1 a month. Needs: Bybit Supreme VIP.
Ethena Pay
- Pro (price not published) vs Standard (free): can’t be compared, the price is not published. Needs: Lock $2000 in ENA or invite 10 users.
- VIP (price not published) vs Pro (price not published): can’t be compared, the price is not published. Needs: Lock $10000 in ENA or invite 50 users.
Worked out with all your other settings unchanged. Staking or lockups a tier needs are not counted as a cost; their value today is shown next to them. Compare these side by side: perks, caps and how to qualify
Missing figures are counted as zero and flagged in the notes. Spending caps, spend bands and small-purchase limits are applied where the issuer publishes them. Top-up fees are worked out on everything you load, including the money that goes on fees. How the calculator works. To see one purchase line by line, try the swipe receipt.