BrightyBrighty
70
Side-by-side card comparison
Brighty vs Coinbase One
Brighty Card has the higher Overall Score by 14 points (70 vs 56). Brighty Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase One Card may still be the better personal fit.
Latest check Oct 11, 202648 official sources reviewed
Brighty Card
Best fit
- Combining crypto account funding with SEPA and Faster Payments transfers.
- Trying the free One plan with 0.5% USDC cashback, capped at 20 USDC/month.
- Regular conversion within Plus's €2,000 or Pro's €5,000 monthly allowance.
Before you choose
- Incoming SEPA costs at least €10; SWIFT deposits cost at least €50.
- Physical Visa access needs a paid plan; Plus is €9/month and Pro €18/month.
- One charges 0.6% conversion, and Visa foreign transactions can add up to 2%.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsBrighty CardOverall70Coinbase One CardOverall56
Brighty CardOverall70Coinbase One CardOverall56Scores
- 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 Card40
- Transfers score
- Brighty Card93Coinbase One Card24
Costs
- 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 Card0.3–0.7%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
- 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
- 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: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on One / Plus / ProCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on both Plus and 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
- 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
- Base cashback
- Brighty Card0.5%Coinbase One Card2%
- Max cashback
- Brighty Card1.8%Coinbase One Card4%
- Reward currency
- Brighty CardUSDCCoinbase One CardBitcoin
Earn
- Advertised APY
- Brighty CardNot disclosedCoinbase One CardNot disclosed
- 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
- 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
- Programme operator
- Brighty CardBTY Digital AGCoinbase One CardNot disclosed
Sources
- Official sources
- Brighty Card25Coinbase One Card23
- Last reviewed
- Brighty CardOct 6, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Brighty or Coinbase One
How you receive rewards
Choose by the reward asset you want to receive: Brighty lists USDC; Coinbase One lists Bitcoin.
Keeping recurring costs down
Brighty's base plan is $0, compared with $49.99/year for Coinbase One. This favours Brighty for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Brighty lists Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
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 October 11, 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.