BrightyBrighty
70
Side-by-side card comparison
Brighty vs Xapo: same score, different trade-offs
Brighty Card and Xapo Card share an Overall Score of 70. Brighty Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202646 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Brighty Card and Xapo Card 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.
OverallBrighty70Xapo70Same score
CashbackBrighty48Xapo24Higher score
TravelBrighty80Xapo91Higher score
Funds controlBrighty65Xapo63Higher score
Lowest feesBrighty68Xapo77Higher score
TransfersBrighty93Xapo100Higher score
Choose Brighty Card if cashback and funds control matter most
Brighty Card comes out ahead for Cashback and Funds control 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 Xapo Card if travel and lowest fees matter most
Xapo Card comes out ahead for Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Brighty70Xapo70
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 FXXapo$1,000/year plan · 0–0.29% FX
Brighty Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Brighty0.5% base · up to 1.75%Xapo0% base · up to 3%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- BrightyCustodial balanceXapoCustodial balance
Brighty Card and Xapo Card use the same custodial balance setup.
- Everyday access
- BrightyVirtual + Physical · Apple PayXapoVirtual + Physical · Unknown
Brighty Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 5).
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
- 0%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall70Xapo CardOverall70
Brighty CardOverall70Xapo CardOverall70Scores
6 fields- Overall Score
- Brighty Card70Xapo Card70
- Cashback score
- Brighty Card48Xapo Card24
- Travel score
- Brighty Card80Xapo Card91
- Funds control score
- Brighty Card65Xapo Card63
- Lowest fees score
- Brighty Card68Xapo Card77
- Transfers score
- Brighty Card93Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Brighty Card$0Xapo Card$1,000/year
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesXapo Card0–0.29%
- Top-up fee
- Brighty Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Brighty CardNot disclosedXapo Card0%
- ATM fee
- Brighty CardNot disclosedXapo Card0–2%
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Brighty CardOne: 0.5%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardXapo CardVisa/Mastercard
- Card formats
- Brighty CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableXapo CardAvailable
- Mobile wallets
- Brighty CardApple PayXapo CardNot disclosed
- Apps
- Brighty CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / ProXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on ProXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Brighty Card0.5%Xapo Card0%
- Max cashback
- Brighty Card1.8%Xapo Card3%
- Reward currency
- Brighty CardUSDCXapo CardBTC
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedXapo CardUp to 3.35% APY
- How it works
- Brighty CardEarn on spending balanceXapo CardEarn on spending balance
- Separate deposit
- Brighty CardNoXapo CardNo
- Use balance for spending
- Brighty CardYesXapo CardYes
- Lock-up
- Brighty CardNoXapo CardNo
Trust & availability
6 fields- Custody
- Brighty CardCustodialXapo CardCustodial
- Control until payment
- Brighty CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Brighty CardWallester ASXapo CardTransact Payments Malta Limited
- Custody / key management
- Brighty CardFireblocksXapo CardNot disclosed
- Bank transfers
- Brighty CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Brighty CardSumsubXapo CardNot disclosed
Sources
2 fields- Official sources
- Brighty Card25Xapo Card21
- Last reviewed
- Brighty CardAug 16, 2026Xapo CardSep 1, 2026
04 · The closer call
Brighty Card and Xapo Card need a closer personal call
The Overall Score ends level at 70, so there is no honest all-round winner here. Brighty Card has the lower starting plan cost ($0 vs $1,000/year). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Brighty Card looks stronger for Cashback and Funds control, while Xapo Card comes out ahead for Travel, Lowest fees, and Transfers. Brighty Card and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 vs 5). 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 Xapo Card reviews first.
Continue with
Brighty Card
Continue with
Xapo Card
05 · Common questions
Brighty vs Xapo FAQ
Is Brighty or Xapo better overall?
Brighty Card and Xapo Card 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 Xapo?
Brighty Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Brighty Card and Xapo Card use the same custodial balance setup.
How current is this Brighty vs Xapo comparison?
The latest information check for these two cards was September 1, 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.