AviciAvici
71
Side-by-side card comparison
Avici vs Brighty: overall score versus use-case fit
Avici Card has the higher Overall Score by 1 point (71 vs 70). Avici Card looks stronger for Travel, Funds control, and Lowest fees, while Brighty Card comes out ahead for Cashback and Transfers.
Information checked Aug 21, 202641 official sources reviewed
01 · Overall score versus use-case fit
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Cashback and Transfers. 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.
OverallAvici71Brighty70Higher score
CashbackAvici21Brighty48Higher score
TravelAvici82Brighty80Higher score
Funds controlAvici95Brighty65Higher score
Lowest feesAvici73Brighty68Higher score
TransfersAvici67Brighty93Higher score
Choose Avici Card if travel and funds control matter most
Avici Card comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
Choose Brighty Card if cashback and transfers matter most
Brighty Card comes out ahead for Cashback 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Avici71Brighty70
Avici Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Avici$0 plan · 0–1% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Avici Card has the lower published FX fee (0–1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Avici0% cashbackBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- AviciSelf-controlled walletBrightyCustodial balance
Avici Card uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- AviciVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Avici1 stablecoin · Stablecoin transfersBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsAvici CardOverall71Brighty CardOverall70
Avici CardOverall71Brighty CardOverall70Scores
6 fields- Overall Score
- Avici Card71Brighty Card70
- Cashback score
- Avici Card21Brighty Card48
- Travel score
- Avici Card82Brighty Card80
- Funds control score
- Avici Card95Brighty Card65
- Lowest fees score
- Avici Card73Brighty Card68
- Transfers score
- Avici Card67Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Avici CardUser-owned USDC collateral, Physical, virtual and phone-wallet useBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Avici CardNo standard purchase cashback, Visa and penalty layers need careBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Avici Card$0Brighty Card$0
- FX fee
- Avici Card0–1%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully publishedBrighty Card0%
- Card spending fee
- Avici Card0%Brighty CardNot disclosed
- ATM fee
- Avici Card0–0.65%Brighty CardNot disclosed
- Virtual card
- Avici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewalBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Avici CardPlatinum $50; Signature $75 + $20/year from year twoBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Avici Card2 plans: Visa Platinum, Visa SignatureBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Avici CardVisa Platinum: 0%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Avici CardVisaBrighty CardVisa/Mastercard
- Card formats
- Avici CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Avici CardAvailableBrighty CardAvailable
- Mobile wallets
- Avici CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Avici CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Avici CardNo fixed public transaction cap; balance, issuer and user-set limits applyBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Avici CardNo fixed public monthly cap; dynamic controls applyBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Avici Card$250 per day, up to 3 ATM transactionsBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Avici CardEthereum, Polygon, Optimism, Arbitrum, SolanaBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Avici CardStablecoins: USDCBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Avici CardNot disclosedBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Avici CardStablecoin transfersBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Avici CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Avici Card0%Brighty Card0.5%
- Max cashback
- Avici Card0%Brighty Card1.8%
- Reward currency
- Avici CardNo cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Avici CardNot offeredBrighty CardNot disclosed
- How it works
- Avici CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Avici CardNot offeredBrighty CardNo
- Use balance for spending
- Avici CardNot offeredBrighty CardYes
- Lock-up
- Avici CardNot offeredBrighty CardNo
Trust & availability
6 fields- Custody
- Avici CardSelf-custodyBrighty CardCustodial
- Control until payment
- Avici CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Avici CardThird NationalBrighty CardWallester AS
- Card processing
- Avici CardRelayBrighty CardNot disclosed
- Custody / key management
- Avici CardNot disclosedBrighty CardFireblocks
- Identity verification
- Avici CardSumsubBrighty CardSumsub
Sources
2 fields- Official sources
- Avici Card16Brighty Card25
- Last reviewed
- Avici CardAug 21, 2026Brighty CardAug 16, 2026
04 · The trade-off
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 70 for Brighty Card. Avici Card has the lower published FX fee (0–1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Brighty Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Avici Card uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Brighty Card lists more stablecoins and ways to send money out (5 vs 2). 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 Avici Card and Brighty Card reviews first.
Continue with
Avici Card
Continue with
Brighty Card
05 · Common questions
Avici vs Brighty FAQ
Is Avici or Brighty better overall?
Avici Card has the higher Overall Score (71 vs 70). 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, Avici or Brighty?
Avici Card has the lower published FX fee (0–1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Avici 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 Avici and Brighty differ on custody?
Avici Card uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Avici vs Brighty comparison?
The latest information check for these two cards was August 21, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.