BrightyBrighty
70
Side-by-side card comparison
Brighty vs Coinbase: fees, rewards and account setup
Brighty Card has the higher Overall Score by 5 points (70 vs 65). Brighty Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase Card may still be the better personal fit.
Information checked Aug 30, 202647 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. Coinbase 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.
OverallBrighty70Coinbase65Higher score
CashbackBrighty48Coinbase37Higher score
TravelBrighty80Coinbase62Higher score
Funds controlBrighty65Coinbase48Higher score
Lowest feesBrighty68Coinbase55Higher score
TransfersBrighty93Coinbase84Higher score
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
Choose Coinbase Card if its day-to-day setup suits you
Coinbase 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
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
- Brighty70Coinbase65
Brighty Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Brighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FXCoinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate 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
- Brighty0.5% base · up to 1.75%CoinbaseNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- BrightyCustodial balanceCoinbaseCustodial balance
Brighty Card and Coinbase Card use the same custodial balance setup.
- Everyday access
- BrightyVirtual + Physical · Apple PayCoinbaseVirtual + Physical · Unknown
Brighty Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutCoinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
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.
- 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
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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
CardsBrighty CardOverall70Coinbase CardOverall65
Brighty CardOverall70Coinbase CardOverall65Scores
6 fields- Overall Score
- Brighty Card70Coinbase Card65
- Cashback score
- Brighty Card48Coinbase Card37
- Travel score
- Brighty Card80Coinbase Card62
- Funds control score
- Brighty Card65Coinbase Card48
- Lowest fees score
- Brighty Card68Coinbase Card55
- Transfers score
- Brighty Card93Coinbase Card84
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackCoinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyCoinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the app
Costs
7 fields- Plan cost
- Brighty Card$0Coinbase Card$0
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesCoinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- Top-up fee
- Brighty Card0%Coinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profile
- Card spending fee
- Brighty CardNot disclosedCoinbase Card0%
- ATM fee
- Brighty CardNot disclosedCoinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedCoinbase CardNot disclosed
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceCoinbase CardNot disclosed
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProCoinbase CardNot disclosed
- Top cashback plan
- Brighty CardOne: 0.5%Coinbase CardNot disclosed
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardCoinbase CardVisa
- Card formats
- Brighty CardVirtual, PhysicalCoinbase CardVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableCoinbase CardAvailable
- Mobile wallets
- Brighty CardApple PayCoinbase CardNot disclosed
- Apps
- Brighty CardiOS, AndroidCoinbase CardiOS, Android
- Daily spending limit
- Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / ProCoinbase Card$2,500 per 24 hours in the U.S. programme
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on ProCoinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specific
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownCoinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in app
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Coinbase CardCoinbase-supported networks
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHCoinbase CardOther crypto: Supported crypto
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTCoinbase CardLinked bank account, Payroll deposit
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutCoinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDCoinbase CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Brighty Card0.5%Coinbase CardNot disclosed
- Max cashback
- Brighty Card1.8%Coinbase CardNot disclosed
- Reward currency
- Brighty CardUSDCCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedCoinbase CardNot offered
- How it works
- Brighty CardEarn on spending balanceCoinbase CardNot offered
- Separate deposit
- Brighty CardNoCoinbase CardNot offered
- Use balance for spending
- Brighty CardYesCoinbase CardNot offered
- Lock-up
- Brighty CardNoCoinbase CardNot offered
Trust & availability
6 fields- Custody
- Brighty CardCustodialCoinbase CardCustodial
- Control until payment
- Brighty CardProvider controls fundsCoinbase CardProvider controls funds
- Card issuer
- Brighty CardWallester ASCoinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions Limited
- Card processing
- Brighty CardNot disclosedCoinbase CardMarqeta, Inc.
- Custody / key management
- Brighty CardFireblocksCoinbase CardNot disclosed
- Identity verification
- Brighty CardSumsubCoinbase CardNot disclosed
Sources
2 fields- Official sources
- Brighty Card25Coinbase Card22
- Last reviewed
- Brighty CardAug 16, 2026Coinbase CardAug 30, 2026
04 · The takeaway
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 65 for Coinbase Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coinbase Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Brighty Card and Coinbase Card use the same custodial balance setup.
Brighty Card lists more stablecoins and ways to send money out (5 vs 4). 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 Brighty Card and Coinbase Card reviews first.
Continue with
Brighty Card
Continue with
Coinbase Card
05 · Common questions
Brighty vs Coinbase FAQ
Is Brighty or Coinbase better overall?
Brighty Card has the higher Overall Score (70 vs 65). 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, Brighty or Coinbase?
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, Brighty or Coinbase?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Brighty and Coinbase differ on custody?
Brighty Card and Coinbase Card use the same custodial balance setup.
How current is this Brighty vs Coinbase comparison?
The latest information check for these two cards was August 30, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.