BrightyBrighty
70
Side-by-side card comparison
Brighty vs Decaf
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 Decaf Card may still be the better personal fit.
Latest check Oct 19, 202646 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%.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsBrighty CardOverall70Decaf CardOverall64
Brighty CardOverall70Decaf CardOverall64Scores
- Overall Score
- Brighty Card70Decaf Card64
- Cashback score
- Brighty Card48Decaf Card29
- Travel score
- Brighty Card80Decaf Card60
- Funds control score
- Brighty Card65Decaf Card63
- Lowest fees score
- Brighty Card67Decaf Card57
- Transfers score
- Brighty Card93Decaf Card70
Costs
- Plan cost
- Brighty Card$0Decaf Card$0
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesDecaf Card1–2%
- Top-up fee
- Brighty Card0.3–0.7%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Brighty CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Brighty CardNot disclosedDecaf Card0% Decaf markup
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedDecaf Card$5
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceDecaf Card$90 international / $10 US
Plans
- Available plans
- Brighty Card3 plans: One, Plus, ProDecaf CardNot disclosed
- Top cashback plan
- Brighty CardOne: 0.5%Decaf CardNot disclosed
Everyday use
- Network
- Brighty CardVisa/MastercardDecaf CardVisa
- Card formats
- Brighty CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Brighty CardApple PayDecaf CardApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidDecaf 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 / ProDecaf CardNot disclosed
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on both Plus and ProDecaf CardNot disclosed
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Decaf CardSolana, Stellar
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHDecaf CardStablecoins: USDC
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Brighty Card0.5%Decaf CardNot disclosed
- Max cashback
- Brighty Card1.8%Decaf CardNot disclosed
- Reward currency
- Brighty CardUSDCDecaf CardNot disclosed
Earn
- Advertised APY
- Brighty CardNot disclosedDecaf CardNot disclosed
- How it works
- Brighty CardEarn on spending balanceDecaf CardOptional earn vault
- Separate deposit
- Brighty CardNoDecaf CardYes
- Use balance for spending
- Brighty CardYesDecaf CardNot disclosed
- Lock-up
- Brighty CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Brighty CardCustodialDecaf CardNon-custodial
- Control until payment
- Brighty CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Brighty CardWallester ASDecaf CardThird National, Inc.
- Card processing
- Brighty CardNot disclosedDecaf CardRain
- Custody / key management
- Brighty CardFireblocksDecaf CardNot disclosed
- Deposits & withdrawals
- Brighty CardNot disclosedDecaf CardMoneyGram
- Identity verification
- Brighty CardSumsubDecaf CardNot disclosed
- Programme operator
- Brighty CardBTY Digital AGDecaf CardNot disclosed
Sources
- Official sources
- Brighty Card25Decaf Card21
- Last reviewed
- Brighty CardOct 6, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Brighty or Decaf
Sending money to a bank
For bank payouts, Brighty has reviewed routes in AED, EUR, GBP, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Brighty's reviewed deposit assets include BTC, ETH, EURC; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Brighty vs Decaf FAQ
Is Brighty or Decaf 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, Brighty or Decaf?
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 Decaf?
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 Decaf differ on custody?
Brighty Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Brighty vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.