Bybit's spot schedule starts at 0.10% for makers and 0.10% for takers at the base tier and falls through VIP levels based on 30-day volume and balance; derivatives are on a separate schedule of their own, and crypto-to-fiat pairs carry a separate, higher schedule. Crypto withdrawals carry a per-coin fee that Bybit sets rather than the raw network cost. Card purchases are routed to third-party providers with their own fees, typically a few percent plus a spread, and Bybit runs periodic promotions in selected countries that waive the provider fee for a window.
For a U.S. resident, none of those numbers apply, because Bybit does not accept U.S. customers and has no dollar bank rail. Anytime Capital's card pricing starts from 4% with the spread already inside, with the amount you pay and the crypto you receive shown before you confirm, and its OTC desk quotes a same-day wire for larger amounts. It serves customers in the United States and worldwide.
Wherever you are reading this, the two are priced for different things. Bybit's schedule is for leveraged and spot trading on an order book in the countries it serves. Anytime Capital's is one all-in number for buying crypto with money. If you are in the United States, Bybit's schedule is not a price you can pay at all.