BrightyBrighty
70
Side-by-side card comparison
Brighty vs Pionex: overall score versus use-case fit
Brighty Card has the higher Overall Score by 13 points (70 vs 57). Brighty Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Pionex Card comes out ahead for Cashback.
Information checked Aug 16, 202684 official sources reviewed
01 · Overall score versus use-case fit
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. Pionex Card may be the better fit for Cashback. 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.
OverallBrighty70Pionex57Higher score
CashbackBrighty48Pionex52Higher score
TravelBrighty80Pionex29Higher score
Funds controlBrighty65Pionex43Higher score
Lowest feesBrighty68Pionex58Higher score
TransfersBrighty93Pionex79Higher score
Choose Brighty Card if travel and funds control matter most
Brighty Card comes out ahead for 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 Pionex Card if cashback matters most
Pionex Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Brighty70Pionex57
Brighty Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Brighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FXPionex$0 plan · Not disclosed 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%Pionex0.1% base · up to 1%
Brighty Card has the higher published base cashback rate (0.5% vs 0.1%).
- Funds control
- BrightyCustodial balancePionexCustodial balance
Brighty Card and Pionex Card use the same custodial balance setup.
- Everyday access
- BrightyVirtual + Physical · Apple PayPionexVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex 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 split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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
CardsBrighty CardOverall70Pionex CardOverall57
Brighty CardOverall70Pionex CardOverall57Scores
6 fields- Overall Score
- Brighty Card70Pionex Card57
- Cashback score
- Brighty Card48Pionex Card52
- Travel score
- Brighty Card80Pionex Card29
- Funds control score
- Brighty Card65Pionex Card43
- Lowest fees score
- Brighty Card68Pionex Card58
- Transfers score
- Brighty Card93Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Brighty Card$0Pionex Card$0
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesPionex CardNot disclosed
- Top-up fee
- Brighty Card0%Pionex CardNot disclosed
- Card spending fee
- Brighty CardNot disclosedPionex Card3.5%
- ATM fee
- Brighty CardNot disclosedPionex CardNot available
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedPionex CardAvailable
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue pricePionex CardNot available
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Brighty CardOne: 0.5%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardPionex CardVisa/Mastercard
- Card formats
- Brighty CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Brighty CardAvailablePionex CardNot available
- Mobile wallets
- Brighty CardApple PayPionex CardApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / ProPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on ProPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownPionex CardNot available
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Pionex CardNot disclosed
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHPionex CardOther crypto: Supported crypto
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTPionex CardNot disclosed
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Brighty Card0.5%Pionex Card0.1%
- Max cashback
- Brighty Card1.8%Pionex Card1%
- Reward currency
- Brighty CardUSDCPionex CardUSDT
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedPionex CardUp to 5% APY
- How it works
- Brighty CardEarn on spending balancePionex CardEarn on spending balance
- Separate deposit
- Brighty CardNoPionex CardNo
- Use balance for spending
- Brighty CardYesPionex CardYes
- Lock-up
- Brighty CardNoPionex CardNo
Trust & availability
5 fields- Custody
- Brighty CardCustodialPionex CardCustodial
- Control until payment
- Brighty CardProvider controls fundsPionex CardProvider controls funds
- Card issuer
- Brighty CardWallester ASPionex CardNot disclosed
- Custody / key management
- Brighty CardFireblocksPionex CardNot disclosed
- Identity verification
- Brighty CardSumsubPionex CardNot disclosed
Sources
2 fields- Official sources
- Brighty Card25Pionex Card59
- Last reviewed
- Brighty CardAug 16, 2026Pionex CardAug 14, 2026
04 · The trade-off
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Brighty Card has the higher published base cashback rate (0.5% vs 0.1%).
Pionex Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Brighty Card and Pionex 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 Pionex Card reviews first.
Continue with
Brighty Card
Continue with
Pionex Card
05 · Common questions
Brighty vs Pionex FAQ
Is Brighty or Pionex better overall?
Brighty Card has the higher Overall Score (70 vs 57). 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 Pionex?
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 Pionex?
Brighty Card has the higher published base cashback rate (0.5% vs 0.1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Brighty and Pionex differ on custody?
Brighty Card and Pionex Card use the same custodial balance setup.
How current is this Brighty vs Pionex comparison?
The latest information check for these two cards was August 16, 2026, using 84 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.