Brighty Card vs Gluon Card
Crypto native
Crypto native
Verdict
- Brighty Card and Gluon Card have the same overall score (6.8/10).
- Brighty Card is clearly stronger on: FX & international.
- Gluon Card is clearly stronger on: Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Brighty Card is a good fit for
- Stablecoin holders
Stronger on: FX & international
Gluon Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
Stronger on: Credit & financing
★ 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 | Brighty Card | Gluon Card |
|---|---|---|
| Fees | 99 | 100 |
| Cashback & rewards | – | – |
| Availability | – | – |
| FX & international | 76 | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | 70 |
| Credit & financing | 30 | 75 |
| Limits & ATM | – | 78 |
| Transparency | 100 | 100 |
| Best for Travel | 7.1 | 6.3 |
| Best for Self-Custody | n/a | 7.0 |
| Best for DeFi Users | 6.8 | 7.1 |
| Best for Stablecoins | 7.8 | n/a |
| Best for High Spenders | 6.3 | 6.5 |
| Best for Low Fees | 8.6 | 8.2 |
| Best for Beginners | 7.7 | 7.7 |
| Best Crypto Credit Card | n/a | 7.7 |
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
Debit cardShow source
Credit cardShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Custody by licensed partners, secured with Fireblocks
Self-custodyConditions apply: tap or hover for detailsShow source
collateral in linked wallets
Card issuer / program manager
BTY Digital AG with licensed partnersShow source
Third National (issuer); GL Worldwide Limited (program provider)Show source
Tiers / plans
One · Plus · ProShow source
Fees
Annual fee
FreeShow source
Virtual card fee
€2.99Conditions apply: tap or hover for detailsShow source
issue fee, all plans; monthly service fee free
FX fee
0.6%Conditions apply: tap or hover for detailsShow source
One plan; Plus 0.5% above €2000/month free, Pro 0.4% above €5000/month free
1.5%Show source
Top-up fee
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
€3Conditions apply: tap or hover for detailsShow source
ERC20/TRC20/TON/Solana/Polygon/BEP20/Arbitrum €3; Bitcoin €20; ADA/XTZ/HAQQ €1
ATM fee
$1 + 0.65%Conditions apply: tap or hover for detailsShow source
Cash advance fee
Transfer fee
€3 + 0.3% (min. €10)Conditions apply: tap or hover for detailsShow source
outgoing SEPA/Faster Payments, One plan; Plus/Pro €0.5+0.3%; incoming SEPA 0.3% or €10 minimum
Other fees & markups
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
Late payment fee: 2% of the current outstanding card balance · Copying fee: $10.00 per copy of a transaction document or statement · Over-the-credit-line and returned payment fees: noneShow source
Cashback & rewards
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
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
NoShow source
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
Digital assets (stablecoin or other forms designated by GLUON)Conditions apply: tap or hover for detailsShow source
GLUON designates which digital assets may be used
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
currently 0%; issuer may introduce interest for new purchases
Interest notes
No interest charged on purchases; no interest chargeable to this Credit CardShow source
Grace period
Payment due 21 days after the close of each billing cycleShow source
Repayment
Statement-based; repayments initiated via preauthorized transfers from a linked account (opt-out possible)Show source
Liquidation risk
YesShow source
Spend by borrowing against collateral
YesConditions apply: tap or hover for detailsShow source
Collateral of USD market value equal to each dollar charged
Availability
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
Cards cannot be issued to cardholders residing or registered there; FATF grey-list countries need case-by-case approval
Account / spend currencies
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
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumShow source
Limits
Spending limit
€50,000Conditions apply: tap or hover for detailsShow source
virtual card, One plan; Plus €75,000, Pro €100,000
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
YesConditions apply: tap or hover for detailsShow source
Collateral held in smart contracts on supported blockchains
Annual cost at 1,500 EUR/month
Brighty Card
- Annual & monthly feesunknown
- FX costs−22 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Gluon Card
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers