BrightyBrighty
70
Side-by-side card comparison
Brighty vs Spritz: fees, rewards and account setup
Brighty Card has the higher Overall Score by 8 points (70 vs 62). Brighty Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Aug 28, 202666 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. Spritz 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.
OverallBrighty70Spritz62Higher score
CashbackBrighty48Spritz34Higher score
TravelBrighty80Spritz46Higher score
Funds controlBrighty65Spritz62Higher score
Lowest feesBrighty68Spritz44Higher score
TransfersBrighty93Spritz64Higher 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 Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Brighty70Spritz62
Brighty Card has the higher Overall Score by 8 points.
- Entry cost & FX
- Brighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- BrightyCustodial balanceSpritzHybrid custody
Brighty Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BrightyVirtual + Physical · Apple PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Brighty Card lists more stablecoins and ways to send money out (5 vs 1).
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
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall70Spritz CardOverall62
Brighty CardOverall70Spritz CardOverall62Scores
6 fields- Overall Score
- Brighty Card70Spritz Card62
- Cashback score
- Brighty Card48Spritz Card34
- Travel score
- Brighty Card80Spritz Card46
- Funds control score
- Brighty Card65Spritz Card62
- Lowest fees score
- Brighty Card68Spritz Card44
- Transfers score
- Brighty Card93Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varySpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Brighty Card$0Spritz Card$0
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesSpritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Brighty Card0%Spritz Card1–3%
- Card spending fee
- Brighty CardNot disclosedSpritz Card0%
- ATM fee
- Brighty CardNot disclosedSpritz CardNot disclosed
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedSpritz CardNot disclosed
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceSpritz CardNot disclosed
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProSpritz CardNot disclosed
- Top cashback plan
- Brighty CardOne: 0.5%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardSpritz CardVisa
- Card formats
- Brighty CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Brighty CardApple PaySpritz CardApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidSpritz CardiOS
- Daily spending limit
- Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / ProSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on ProSpritz CardNot disclosed
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Spritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTSpritz CardNot disclosed
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Brighty Card0.5%Spritz Card0%
- Max cashback
- Brighty Card1.8%Spritz Card5%
- Reward currency
- Brighty CardUSDCSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedSpritz CardNot offered
- How it works
- Brighty CardEarn on spending balanceSpritz CardNot offered
- Separate deposit
- Brighty CardNoSpritz CardNot offered
- Use balance for spending
- Brighty CardYesSpritz CardNot offered
- Lock-up
- Brighty CardNoSpritz CardNot offered
Trust & availability
6 fields- Custody
- Brighty CardCustodialSpritz CardHybrid custody
- Control until payment
- Brighty CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Brighty CardWallester ASSpritz CardNot disclosed
- Card processing
- Brighty CardNot disclosedSpritz CardRain
- Custody / key management
- Brighty CardFireblocksSpritz CardNot disclosed
- Identity verification
- Brighty CardSumsubSpritz CardNot disclosed
Sources
2 fields- Official sources
- Brighty Card25Spritz Card41
- Last reviewed
- Brighty CardAug 16, 2026Spritz CardAug 28, 2026
04 · The takeaway
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 62 for Spritz 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%).
Spritz Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Brighty Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Brighty Card lists more stablecoins and ways to send money out (5 vs 1). 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 Spritz Card reviews first.
Continue with
Brighty Card
Continue with
Spritz Card
05 · Common questions
Brighty vs Spritz FAQ
Is Brighty or Spritz better overall?
Brighty Card has the higher Overall Score (70 vs 62). 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 Spritz?
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 Spritz?
Brighty Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Brighty and Spritz differ on custody?
Brighty Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Brighty vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 66 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.