BrightyBrighty
70
Side-by-side card comparison
Brighty vs Uphold US: same score, different trade-offs
Brighty Card and Uphold Card US share an Overall Score of 70. Brighty Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback.
Information checked Oct 14, 202638 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Brighty Card and Uphold Card US have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallBrighty70Uphold US70Same score
CashbackBrighty48Uphold US75Higher score
TravelBrighty80Uphold US71Higher score
Funds controlBrighty65Uphold US44Higher score
Lowest feesBrighty67Uphold US56Higher score
TransfersBrighty93Uphold US65Higher 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 Uphold Card US if cashback matters most
Uphold Card US 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.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Brighty70Uphold US70
Both cards have the same displayed Overall Score of 70.
- Entry cost & FX
- Brighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Brighty0.5% base · up to 1.75%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- BrightyCustodial balanceUphold USCustodial balance
Brighty Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- BrightyVirtual + Physical · Apple PayUphold USVirtual + Physical · Apple Pay, Google Pay
Uphold Card US lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutUphold US0 stablecoins · US bank withdrawal
Brighty Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 1 fiat
03 · Compare the details
Put 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 CardOverall70Uphold Card USOverall70
Brighty CardOverall70Uphold Card USOverall70Scores
6 fields- Overall Score
- Brighty Card70Uphold Card US70
- Cashback score
- Brighty Card48Uphold Card US75
- Travel score
- Brighty Card80Uphold Card US71
- Funds control score
- Brighty Card65Uphold Card US44
- Lowest fees score
- Brighty Card67Uphold Card US56
- Transfers score
- Brighty Card93Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Brighty Card$0Uphold Card US$0
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesUphold Card US0–1.5%
- Top-up fee
- Brighty Card0.3–0.7%Uphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Brighty CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Brighty CardNot disclosedUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedUphold Card USFree on both plans
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Brighty CardOne: 0.5%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardUphold Card USVisa
- Card formats
- Brighty CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableUphold Card USAvailable
- Mobile wallets
- Brighty CardApple PayUphold Card USApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidUphold Card USiOS, Android
- Daily spending limit
- Brighty CardPublished period is ambiguous: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on One / Plus / ProUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on both Plus and ProUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Uphold Card USNot disclosed
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHUphold Card USNot disclosed
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutUphold Card USUS bank withdrawal
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDUphold Card USUSD
Rewards
3 fields- Base cashback
- Brighty Card0.5%Uphold Card US2%
- Max cashback
- Brighty Card1.8%Uphold Card US4%
- Reward currency
- Brighty CardUSDCUphold Card USXRP
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedUphold Card USNot offered
- How it works
- Brighty CardEarn on spending balanceUphold Card USNot offered
- Separate deposit
- Brighty CardNoUphold Card USNot offered
- Use balance for spending
- Brighty CardYesUphold Card USNot offered
- Lock-up
- Brighty CardNoUphold Card USNot offered
Trust & availability
6 fields- Custody
- Brighty CardCustodialUphold Card USCustodial
- Control until payment
- Brighty CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Brighty CardWallester ASUphold Card USCross River Bank
- Custody / key management
- Brighty CardFireblocksUphold Card USUphold HQ Inc.
- Identity verification
- Brighty CardSumsubUphold Card USNot disclosed
- Programme operator
- Brighty CardBTY Digital AGUphold Card USNot disclosed
Sources
2 fields- Official sources
- Brighty Card25Uphold Card US13
- Last reviewed
- Brighty CardOct 6, 2026Uphold Card USOct 14, 2026
04 · The closer call
Brighty Card and Uphold Card US need a closer personal call
The Overall Score ends level at 70, so there is no honest all-round winner here. Uphold Card US has the lower published FX fee (0–1.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
Brighty Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback. Brighty Card and Uphold Card US use the same custodial balance setup.
Brighty Card lists more stablecoins and ways to send money out (5 vs 2). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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 Uphold Card US reviews first.
Continue with
Brighty Card
Continue with
Uphold Card US
05 · Common questions
Brighty vs Uphold US FAQ
Is Brighty or Uphold US better overall?
Brighty Card and Uphold Card US tie at 70 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Brighty or Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). 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 Uphold US?
Uphold Card US 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 Uphold US differ on custody?
Brighty Card and Uphold Card US use the same custodial balance setup.
How current is this Brighty vs Uphold US comparison?
The latest information check for these two cards was October 14, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.