BrightyBrighty
70
Side-by-side card comparison
Brighty vs Coinbase One: where the score gap comes from
Brighty Card has the higher Overall Score by 14 points (70 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202648 official sources reviewed
01 · Where the gap opens
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. Coinbase One 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.
OverallBrighty70Coinbase One56Higher score
CashbackBrighty48Coinbase One40Compare the details below
TravelBrighty80Coinbase One60Compare the details below
Funds controlBrighty65Coinbase One36Compare the details below
Lowest feesBrighty67Coinbase One58Compare the details below
TransfersBrighty93Coinbase One24Compare the details below
Choose Brighty Card if its day-to-day setup suits you
Brighty 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. Read the side-by-side details before deciding.
- Free entry plan
- USDC cashback
- Multiple account rails
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One 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. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Brighty70Coinbase One56
Brighty Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Brighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Brighty Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Brighty0.5% base · up to 1.75%Coinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- BrightyCustodial balanceCoinbase OneCustodial balance
Brighty Card and Coinbase One Card use the same custodial balance setup.
- Everyday access
- BrightyVirtual + Physical · Apple PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Coinbase One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutCoinbase One0 stablecoins · Not modeled
Brighty Card lists more stablecoins and ways to send money out (5 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsBrighty CardOverall70Coinbase One CardOverall56
Brighty CardOverall70Coinbase One CardOverall56Scores
6 fields- Overall Score
- Brighty Card70Coinbase One Card56
- Cashback score
- Brighty Card48Coinbase One Card40
- Travel score
- Brighty Card80Coinbase One Card60
- Funds control score
- Brighty Card65Coinbase One Card36
- Lowest fees score
- Brighty Card67Coinbase One Card58
- Transfers score
- Brighty Card93Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Brighty Card$0Coinbase One Card$49.99/year
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesCoinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Brighty Card0%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Brighty CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- Brighty CardNot disclosedCoinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedCoinbase One CardNot disclosed
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceCoinbase One CardNot disclosed
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Brighty CardOne: 0.5%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardCoinbase One CardAmerican Express
- Card formats
- Brighty CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Brighty CardApple PayCoinbase One CardApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidCoinbase One CardiOS, Android, Web
- Daily spending limit
- Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / ProCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on ProCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Coinbase One CardNot disclosed
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHCoinbase One CardNot disclosed
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTCoinbase One CardNot disclosed
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutCoinbase One CardNot disclosed
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Brighty Card0.5%Coinbase One Card2%
- Max cashback
- Brighty Card1.8%Coinbase One Card4%
- Reward currency
- Brighty CardUSDCCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedCoinbase One CardUp to 3.5% APY
- How it works
- Brighty CardEarn on spending balanceCoinbase One CardBorrow against collateral
- Separate deposit
- Brighty CardNoCoinbase One CardNo
- Use balance for spending
- Brighty CardYesCoinbase One CardNo
- Lock-up
- Brighty CardNoCoinbase One CardYes
Trust & availability
5 fields- Custody
- Brighty CardCustodialCoinbase One CardCustodial
- Control until payment
- Brighty CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- Brighty CardWallester ASCoinbase One CardFirst Electronic Bank
- Custody / key management
- Brighty CardFireblocksCoinbase One CardCoinbase, Inc.
- Identity verification
- Brighty CardSumsubCoinbase One CardNot disclosed
Sources
2 fields- Official sources
- Brighty Card25Coinbase One Card23
- Last reviewed
- Brighty CardAug 16, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 56 for Coinbase One Card. Brighty Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0.5%).
Coinbase One 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 One Card use the same custodial balance setup.
Brighty Card lists more stablecoins and ways to send money out (5 vs 0). 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 One Card reviews first.
Continue with
Brighty Card
Continue with
Coinbase One Card
05 · Common questions
Brighty vs Coinbase One FAQ
Is Brighty or Coinbase One better overall?
Brighty Card has the higher Overall Score (70 vs 56). 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 One?
Brighty Card has the lower starting plan cost ($0 vs $49.99/year). 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 One?
Coinbase One Card has the higher published base cashback rate (2% vs 0.5%). 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 One differ on custody?
Brighty Card and Coinbase One Card use the same custodial balance setup.
How current is this Brighty vs Coinbase One comparison?
The latest information check for these two cards was September 5, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.