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Brighty Card vs Crypto.com Visa Card (EEA)

Brighty Card

Crypto native

6.6
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Crypto.com Visa Card (EEA)

Crypto native

6.1
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Verdict

  • Brighty Card scores higher overall (6.6 vs 6.1 out of 10).
  • Brighty Card is clearly stronger on: Fees.
  • 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: Fees

Crypto.com Visa Card (EEA) is a good fit for

  • No specific audience can be derived from the published data yet.

★ 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 CashCrypto.com Visa Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBrighty CardCrypto.com Visa Card (EEA)
Fees10087
Cashback & rewards–9
Availability–100
FX & international––
Product features7070
Custody & security75–
Credit & financing3030
Limits & ATM–64
Transparency100100
Best for Cashbackn/a4.4
Best for Traveln/a6.3
Best for DeFi Users6.74.9
Best for Stablecoins7.3n/a
Best for High Spendersn/a4.2
Best for Low Fees8.07.6
Best for Beginners7.87.6

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
Prepaid cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Custody by licensed partners, secured with Fireblocks

No data yet

Card issuer / program manager

BTY Digital AG with licensed partnersShow source
Foris MT Limited (Malta)Show source

Tiers / plans

Brighty One (free) · Brighty Plus · Brighty ProShow source
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source

Fees

Monthly fee

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

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

Physical card fee

No data yet
€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

Replacement fee

No data yet
€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

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

1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

ATM fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

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

Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source

Cashback & rewards

Base cashback

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

Free tier

Max cashback

No data yet
4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

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

CROShow source

Cashback type

StablecoinConditions apply: tap or hover for detailsShow source

Cashback balance redeemable in supported stablecoins such as USDC

Platform tokenShow source

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

Staking / holding required for top rewards

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

Higher tiers via subscription or 12-month CRO staking

Staking asset

No data yet
CROShow source

Capital required for top rewards

No data yet
€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

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

Certain merchant categories or channels are excluded from CRO RewardsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

Availability

Available in

No data yet
EEAShow source

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

EURShow 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

EU: available; not available in UK or Bahrain

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

EU: Google Wallet available, Samsung Wallet not available

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesShow source
No data yet

Airport lounge access

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

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

Limits

ATM limit

No data yet
€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

Spending limit

No data yet
€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

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

Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source

Annual cost at 1,500 EUR/month

Brighty Card

  • Annual & monthly feesunknown
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • 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 Crypto.com Visa Card (EEA) comparisons