Brighty Card vs Tria Card
Crypto native
Crypto native
Verdict
- Tria Card scores higher overall (7.2 vs 6.6 out of 10).
- Tria 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
Tria 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
- Frequent travellers
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 | Tria Card |
|---|---|---|
| Fees | 100 | 91 |
| Cashback & rewards | – | 44 |
| Availability | – | – |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | – | 71 |
| Transparency | 100 | 93 |
| Best for Cashback | n/a | 6.2 |
| Best for Travel | n/a | 8.0 |
| Best for Self-Custody | n/a | 7.8 |
| Best for DeFi Users | 6.7 | 7.4 |
| Best for Stablecoins | 7.3 | n/a |
| Best for High Spenders | n/a | 6.9 |
| Best for Low Fees | 8.0 | 9.1 |
| Best for Beginners | 7.8 | 7.4 |
| Best Crypto Credit Card | n/a | 7.5 |
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
Crypto-backed creditShow source
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
Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)Conditions apply: tap or hover for detailsShow source
International card terms
Tiers / plans
Brighty One (free) · Brighty Plus · Brighty ProShow source
Lite · Pro · MaxShow source
Fees
Physical card fee
$109Conditions apply: tap or hover for detailsShow source
Plastic card; Metal card 250 USD
Virtual card fee
$25Conditions apply: tap or hover for detailsShow source
Virtual card; Plastic 109 USD, Metal 250 USD
FX fee
0%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
FreeShow source
ATM fee
$1 + 1%Conditions apply: tap or hover for detailsShow source
$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply
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
FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosureConditions apply: tap or hover for detailsShow source
Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees
Cashback & rewards
Base cashback
1.5%Conditions apply: tap or hover for detailsShow source
Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)
Max cashback
6%Conditions apply: tap or hover for detailsShow source
Premium tier, headline rate, monthly spend caps apply
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
USDT on ArbitrumShow source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Cashback balance redeemable in supported stablecoins such as USDC
StablecoinShow source
Cashback-eligible spend cap
$100/monthConditions apply: tap or hover for detailsShow source
Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st
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
Cashback is a membership benefit; it stops on new transactions if the membership is not renewedConditions apply: tap or hover for detailsShow source
Pro $109/year, Max $250/year standard renewal pricing
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
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Spending limit equals USD market value of collateral (1:1)
Interest (APR)
0%Show source
Interest notes
Currently 0% on all purchases; issuer may introduce interest for new purchases in the futureShow source
Grace period
Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)Show source
Repayment
Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaidShow source
Liquidation risk
YesShow source
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
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
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
YesConditions apply: tap or hover for detailsShow source
Pro (plastic) and Max (metal) tiers only
Virtual card
YesConditions apply: tap or hover for detailsShow source
Lite tier is virtual-only
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
1,000+ tokens accepted for fundingShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Supported blockchains for collateral; more may be added
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
Per transaction; maximum 3 withdrawals per 24 hours
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 costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Tria Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−23 EUR
- Cashback+16 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers