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Brighty Card vs Peanut Card

Brighty Card

Crypto native

6.8
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Peanut Card

Crypto native

6.8
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Verdict

  • Brighty Card and Peanut Card have the same overall score (6.8/10).
  • Brighty Card is clearly stronger on: FX & international, Product features.
  • Peanut Card is clearly stronger on: Custody & security.
  • 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, Product features

Peanut Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Custody & security

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
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Review & sourcesBrighty Card vs ether.fi CashPeanut Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBrighty CardPeanut Card
Fees99100
Cashback & rewards––
Availability––
FX & international7660
Product features7056
Custody & security7585
Credit & financing30–
Limits & ATM––
Transparency100100
Best for Travel7.16.4
Best for Self-Custodyn/a7.7
Best for DeFi Users6.87.2
Best for Stablecoins7.87.5
Best for High Spenders6.3n/a
Best for Low Fees8.68.3
Best for Beginners7.77.5

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
No data yet

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Custody by licensed partners, secured with Fireblocks

Self-custodyShow source

Card issuer / program manager

BTY Digital AG with licensed partnersShow source
Third National (issuer); program managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

One · Plus · ProShow source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

No data yet
FreeShow source

Virtual card fee

€2.99Conditions apply: tap or hover for detailsShow source

issue fee, all plans; monthly service fee free

FreeConditions apply: tap or hover for detailsShow source

no issuance fee

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%Conditions apply: tap or hover for detailsShow source

up to 1% FX fee (non USD) plus up to 1% cross border fee

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

FreeConditions apply: tap or hover for detailsShow source

Crypto deposits

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

No data yet

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

$20Conditions apply: tap or hover for detailsShow source

USD wire withdrawal only; ACH free

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

Cross border fee: up to 1%Show 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

No data yet

Cashback type

StablecoinConditions apply: tap or hover for detailsShow source

Cashback balance redeemable in supported stablecoins such as USDC

No data yet

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
No data yet

Reward expiry / vesting

Cashback does not expire unless an expiry period is communicated in the app, programme rules or another durable communicationShow source
No data yet

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

No data yet

Credit & financing

Credit line

NoShow source
No data yet

Interest (APR)

No data yet
0%Conditions apply: tap or hover for detailsShow source

currently 0%; issuer may introduce interest for new purchases

Liquidation risk

No data yet
YesConditions apply: tap or hover for detailsShow source

collateral liquidated if unpaid within 1 day or collateral value drops below charges

Availability

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

USDShow source

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Named IBANs for EUR, GBP and USD

No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Stated as a footer link under Payments

YesConditions apply: tap or hover for detailsShow source

where supported

Google Pay

YesConditions apply: tap or hover for detailsShow source

Stated as a footer link under Payments

YesConditions apply: tap or hover for detailsShow source

where supported

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

physical card interest can be registered

Virtual card

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesShow source

Spendable assets

No data yet
USDCShow source

Blockchains

No data yet
Arbitrum · Ethereum · Base · Optimism · Gnosis · Polygon · BNB Chain · Celo · Katana · Plasma · Tempo · Kaia · Solana · TronConditions apply: tap or hover for detailsShow source

Deposit networks

Limits

Spending limit

€50,000Conditions apply: tap or hover for detailsShow source

virtual card, One plan; Plus €75,000, Pro €100,000

No data yet

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

Marketed in Nigeria by BANEX Microfinance Bank Limited, licensed by the Central Bank of NigeriaConditions apply: tap or hover for detailsShow source

Nigeria-specific clause

Smart-contract risk

No data yet
YesShow source

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

Peanut Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • 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

More Brighty Card comparisons

More Peanut Card comparisons