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64
Side-by-side card comparison
ARQ vs Brighty: fees, rewards and account setup
Brighty Card has the higher Overall Score by 6 points (70 vs 64). Brighty Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where ARQ Card may still be the better personal fit.
Information checked Aug 16, 202661 official sources reviewed
01 · Make the first cut
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. ARQ Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallARQ64Brighty70Higher score
CashbackARQ41Brighty48Higher score
TravelARQ62Brighty80Higher score
Funds controlARQ52Brighty65Higher score
Lowest feesARQ52Brighty68Higher score
TransfersARQ75Brighty93Higher score
Choose ARQ Card if its day-to-day setup suits you
ARQ Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
Choose Brighty Card if cashback and travel matter most
Brighty Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free entry plan
- USDC cashback
- Multiple account rails
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ARQ64Brighty70
Brighty Card has the higher Overall Score by 6 points.
- Entry cost & FX
- ARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- ARQ0% base · up to 2%Brighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- ARQCustodial balanceBrightyCustodial balance
ARQ Card and Brighty Card use the same custodial balance setup.
- Everyday access
- ARQVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
ARQ Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ARQ4 stablecoins · ARQ P2P; USD ACH payoutBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
ARQ Card lists more stablecoins and ways to send money out (6 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsARQ CardOverall64Brighty CardOverall70
ARQ CardOverall64Brighty CardOverall70Scores
6 fields- Overall Score
- ARQ Card64Brighty Card70
- Cashback score
- ARQ Card41Brighty Card48
- Travel score
- ARQ Card62Brighty Card80
- Funds control score
- ARQ Card52Brighty Card65
- Lowest fees score
- ARQ Card52Brighty Card68
- Transfers score
- ARQ Card75Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- ARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet accessBrighty CardFree entry plan, USDC cashback
- Trade-offs
- ARQ CardProvider FX spread remains unclear, Headline cashback requires membershipBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- ARQ Card$0Brighty Card$0
- FX fee
- ARQ CardProvider spread unknown; Argentina/Brazil variant charges may applyBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EURBrighty Card0%
- Card spending fee
- ARQ Card0%Brighty CardNot disclosed
- ATM fee
- ARQ Card1–3%Brighty CardNot disclosed
- Virtual card
- ARQ CardFreeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- ARQ Card$4.99 Standard; $0 PremiumBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- ARQ Card3 plans: Standard, Premium, PrestigeBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- ARQ CardPrestige: 2%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- ARQ CardMastercardBrighty CardVisa/Mastercard
- Card formats
- ARQ CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- ARQ CardAvailableBrighty CardAvailable
- Mobile wallets
- ARQ CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- ARQ CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- ARQ CardNot disclosedBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- ARQ CardNot disclosedBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- ARQ CardNot disclosedBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- ARQ CardEthereum, Polygon, TronBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- ARQ CardStablecoins: USDC, USDTBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- ARQ CardUSD receive, EUR receiveBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- ARQ CardARQ P2P; USD ACH payoutBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- ARQ CardUSDBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- ARQ Card0%Brighty Card0.5%
- Max cashback
- ARQ Card2%Brighty Card1.8%
- Reward currency
- ARQ CardUSDc cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- ARQ CardUp to 4.5% APYBrighty CardNot disclosed
- How it works
- ARQ CardEarn on spending balance, Optional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- ARQ CardYesBrighty CardNo
- Use balance for spending
- ARQ CardNoBrighty CardYes
- Lock-up
- ARQ CardNoBrighty CardNo
Trust & availability
5 fields- Custody
- ARQ CardCustodialBrighty CardCustodial
- Control until payment
- ARQ CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- ARQ CardNot disclosedBrighty CardWallester AS
- Custody / key management
- ARQ CardNot disclosedBrighty CardFireblocks
- Identity verification
- ARQ CardNot disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- ARQ Card36Brighty Card25
- Last reviewed
- ARQ CardAug 5, 2026Brighty CardAug 16, 2026
04 · The takeaway
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 64 for ARQ Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Brighty Card has the higher published base cashback rate (0.5% vs 0%).
ARQ Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ARQ Card and Brighty Card use the same custodial balance setup.
ARQ Card lists more stablecoins and ways to send money out (6 vs 5). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full ARQ Card and Brighty Card reviews first.
Continue with
ARQ Card
Continue with
Brighty Card
05 · Common questions
ARQ vs Brighty FAQ
Is ARQ or Brighty better overall?
Brighty Card has the higher Overall Score (70 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, ARQ or Brighty?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, ARQ or Brighty?
Brighty Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ARQ and Brighty differ on custody?
ARQ Card and Brighty Card use the same custodial balance setup.
How current is this ARQ vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.