I’ve used Bybit U Card for a long time before I realized you must manually convert USDT into fiat USD.

This lets you avoid a 0.9% currency conversion fee.

🟡 Tested in practice:
Today’s C2C withdrawal exchange rate: 6.66
Bybit actual spending exchange rate: 6.77 (+1.65%)

(After deducting all fees, including a 2% cashback)

🟢 How to convert USDT to fiat USD in advance:

1️⃣ Search the spot USDT/USD trading pair and sell USDT.
(Don’t exchange in the fiat area—there are regional restrictions.)

100 USDT was exchanged for 99.76 USD.

Including slippage and the Bybit spot trading fee of 0.1%, the final loss is 0.24%.

But it avoids the 0.9% automatic conversion fee.

2️⃣ Transfer the USD from the trading account to the funds account.

Then you can use the Bybit Card with your USD (Fiat) balance.