Brighty Card vs THORWallet Card
Crypto native
Crypto native
Verdict
- Brighty Card and THORWallet Card have the same overall score (6.8/10).
- Brighty Card is clearly stronger on: FX & international.
- 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
THORWallet Card is a good fit for
- People who want to keep control of their keys
★ 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 | THORWallet Card |
|---|---|---|
| Fees | 99 | 98 |
| Cashback & rewards | – | 10 |
| Availability | – | 100 |
| FX & international | 76 | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | – |
| Limits & ATM | – | 91 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.9 |
| Best for Travel | 7.1 | 6.5 |
| Best for Self-Custody | n/a | 6.8 |
| Best for DeFi Users | 6.8 | 6.2 |
| Best for Stablecoins | 7.8 | n/a |
| Best for High Spenders | 6.3 | 4.7 |
| Best for Low Fees | 8.6 | 8.3 |
| Best for Beginners | 7.7 | 8.1 |
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
Network
MastercardShow source
MastercardShow 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
Tiers / plans
One · Plus · ProShow source
Basic · Premium · Swiss IBANShow source
Fees
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium, one-off; $99 with an invite
Virtual card fee
€2.99Conditions apply: tap or hover for detailsShow source
issue fee, all plans; monthly service fee free
$5Conditions apply: tap or hover for detailsShow source
Basic; free with an invite code
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
FreeConditions apply: tap or hover for detailsShow source
Basic
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
$1Conditions apply: tap or hover for detailsShow source
Domestic; $5 international
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
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium; Basic 0%
Max cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium tier (paid one-off card)
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
USDCShow source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Cashback balance redeemable in supported stablecoins such as USDC
StablecoinConditions apply: tap or hover for detailsShow source
Premium only
Cashback-eligible spend cap
$5,000/monthConditions apply: tap or hover for detailsShow source
Spend per month
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
Staking / holding required for top rewards
NoShow 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
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
175+ countries including the US
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
USDConditions apply: tap or hover for detailsShow source
Basic and Premium; Swiss IBAN CHF, EUR, USD, RMB
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Named IBANs for EUR, GBP and USD
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN account
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
Google Pay
YesConditions apply: tap or hover for detailsShow source
Stated as a footer link under Payments
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Premium
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Limits
ATM limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day
Spending limit
€50,000Conditions apply: tap or hover for detailsShow source
virtual card, One plan; Plus €75,000, Pro €100,000
$100,000Conditions apply: tap or hover for detailsShow source
Monthly POS limit, Basic; Premium $1,000,000
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
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
THORWallet Card
- Annual & monthly feesunknown
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−11 EUR
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers