Avici Card vs Brighty Card
Crypto native
Crypto native
Verdict
- Brighty Card scores higher overall (6.6 vs 6.1 out of 10).
- Avici Card is clearly stronger on: Product features, Credit & financing.
- Brighty Card is clearly stronger on: Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Avici Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Product features, Credit & financing
Brighty Card is a good fit for
- Stablecoin holders
Stronger on: Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Avici Card | Brighty Card |
|---|---|---|
| Fees | 97 | 100 |
| Cashback & rewards | 0 | – |
| Availability | 57 | – |
| FX & international | 60 | – |
| Product features | 80 | 70 |
| Custody & security | 70 | 75 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 78 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 3.9 | n/a |
| Best for Travel | 6.5 | n/a |
| Best for Self-Custody | 6.4 | n/a |
| Best for DeFi Users | 6.2 | 6.7 |
| Best for Stablecoins | 6.3 | 7.3 |
| Best for High Spenders | 4.7 | n/a |
| Best for Low Fees | 8.3 | 8.0 |
| Best for Beginners | 7.2 | 7.8 |
| Best Crypto Credit Card | 6.8 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Secured credit card backed by your own deposit
Debit cardShow source
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
CustodialConditions apply: tap or hover for detailsShow source
Custody by licensed partners, secured with Fireblocks
Card issuer / program manager
Third NationalConditions apply: tap or hover for detailsShow source
Card access provided by Avici Inc.
BTY Digital AG with licensed partnersShow source
Tiers / plans
Platinum · SignatureShow source
Brighty One (free) · Brighty Plus · Brighty ProShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Platinum; Signature costs $30 the first year, then $20/year
Physical card fee
$50Conditions apply: tap or hover for detailsShow source
Platinum; Signature $75
Virtual card fee
$15Conditions apply: tap or hover for detailsShow source
Platinum, first card; further cards $10
FX fee
1%Conditions apply: tap or hover for detailsShow source
Charged by Visa, no Avici markup; terms allow up to 3%
Top-up fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Deposits of EUR, GBP, USD or crypto via SEPA, Faster Payments and FedWire; page does not state fees for other top-up methods
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Withdrawal from card to wallet
ATM fee
$1 + 0.65%Conditions apply: tap or hover for detailsShow source
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
Small transaction fee
FreeConditions apply: tap or hover for detailsShow source
No transaction fees
Other fees & markups
Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new cardConditions apply: tap or hover for detailsShow source
No extra charges for Apple Pay / Google Pay spending
Cashback redemption may be subject to network, transaction or exchange fees and conversion costsConditions apply: tap or hover for detailsShow source
Amounts not stated on this page; conditions are displayed in the app
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
No cashback programme (owner research)
Cashback paid in
Supported stablecoins (e.g. USDC)Conditions apply: tap or hover for detailsShow source
Redemption forms are displayed in the app and may also include other reward forms made available by BTY
Cashback type
NoneConditions apply: tap or hover for detailsShow source
No cashback programme (owner research); the site only lists Visa network benefits
StablecoinConditions apply: tap or hover for detailsShow source
Cashback balance redeemable in supported stablecoins such as USDC
Cashback conditions
Rates vary by merchant, merchant category, country, subscription plan, reward tier, campaign or promotional period and are shown in the app · Calculated on the final settled amount; cashback stays provisional until the transaction is settled · Most cashback credited within 5 business days after settlement; some merchants or schemes need up to 90 days or longer · Personal use only; not for business, commercial or bulk purchasing · Redemption may be subject to minimum thresholds and daily, monthly or other limitsShow source
Reward expiry / vesting
Cashback does not expire unless an expiry period is communicated in the app, programme rules or another durable communicationShow source
Reward exclusions
Card-to-card transfers · ATM and other cash withdrawals · Gambling and betting transactions · Money transfers · Wallet or account top-ups · Quasi-cash transactions · Financial services transactions · Tax and certain government payments · Cryptocurrency or digital asset purchases, unless expressly permitted · Excluded MCCs (financial & money services): 4829, 6010, 6011, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8999 · Excluded MCCs (gambling & betting): 7800, 7801, 7802, 7995 · Excluded MCCs (government & tax payments): 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9411 · Excluded MCC (utilities & essential services): 4900 · Excluded MCCs (retail & miscellaneous): 5734, 5947, 7349, 7372, 8062, 8398, 8651, 8661 · Transactions via Curve cards or equivalent pass-through, intermediary or wallet-routing services · Refunded, reversed, cancelled, disputed or charged-back transactionsConditions apply: tap or hover for detailsShow source
List is "without limitation"; BTY may update excluded categories or MCCs
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Secured by your own deposit
NoShow source
Credit type
Crypto-backed creditShow source
Collateral assets
USDCShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
Grace period
One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
Repayment
Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Availability
Available in
AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United StatesConditions apply: tap or hover for detailsShow source
Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Foreign-currency transactions are converted into USD
EUR · USD · GBP · USDC · EURC · ETH · BTCConditions apply: tap or hover for detailsShow source
Account/wallet currencies in the Brighty app; page adds 'and more' for both fiat and crypto
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Named IBANs for EUR, GBP and USD
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
Physical card
YesConditions apply: tap or hover for detailsShow source
Issuer may limit the number of physical cards
Virtual card
YesConditions apply: tap or hover for detailsShow source
Issuer may limit the number of virtual cards
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC deposit backs the USD credit balance
YesShow source
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Spendable assets
USDCConditions apply: tap or hover for detailsShow source
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Limits
ATM limit
$3,000Conditions apply: tap or hover for detailsShow source
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
Security & custody
Regulation / licences
BTY Digital AG affiliated with VQF, a Swiss self-regulatory organisation recognised by FINMA under the AMLA (membership no. 100917)Conditions apply: tap or hover for detailsShow source
Applies to BTY Digital AG (Baar, Switzerland), operator of the Brighty Cashback Programme; the page footer says payment cards are provided by licensed partners
Smart-contract risk
YesShow source
Annual cost at 1,500 EUR/month
Avici Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-55 EUR
Brighty Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers