COCACoca
70
Side-by-side card comparison
Coca vs Brighty: same score, different trade-offs
Coca Card and Brighty Card share an Overall Score of 70. Coca Card looks stronger for Travel and Funds control, while Brighty Card comes out ahead for Cashback, Lowest fees, and Transfers.
Information checked Aug 16, 202637 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Coca Card and Brighty 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.
OverallCoca70Brighty70Same score
CashbackCoca43Brighty48Higher score
TravelCoca82Brighty80Higher score
Funds controlCoca85Brighty65Higher score
Lowest feesCoca63Brighty68Higher score
TransfersCoca87Brighty93Higher score
Choose Coca Card if travel and funds control matter most
Coca Card comes out ahead for Travel 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.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
Choose Brighty Card if cashback and lowest fees matter most
Brighty Card comes out ahead for Cashback, 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
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Coca70Brighty70
Both cards have the same displayed Overall Score of 70.
- Entry cost & FX
- Coca$0 plan · 0% on direct pairs FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Coca Card has the lower published FX fee (0% on direct pairs vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Coca1% base · up to 8%Brighty0.5% base · up to 1.75%
Coca Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- CocaSelf-controlled walletBrightyCustodial balance
Coca Card uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- CocaVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Coca Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coca3 stablecoins · Stablecoin transfers; IBAN / bank transfersBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Both cards list the same number of stablecoins and ways to send money out.
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
- 1%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 crypto · 2 fiat
- 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
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
CardsCoca CardOverall70Brighty CardOverall70
Coca CardOverall70Brighty CardOverall70Scores
6 fields- Overall Score
- Coca Card70Brighty Card70
- Cashback score
- Coca Card43Brighty Card48
- Travel score
- Coca Card82Brighty Card80
- Funds control score
- Coca Card85Brighty Card65
- Lowest fees score
- Coca Card63Brighty Card68
- Transfers score
- Coca Card87Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Coca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet accessBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Coca CardBest cashback needs COCA tier rules, ATM is free only up to allowanceBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Coca Card$0Brighty Card$0
- FX fee
- Coca Card0% on direct pairsBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Coca CardNot disclosedBrighty Card0%
- Card spending fee
- Coca CardNot disclosedBrighty CardNot disclosed
- ATM fee
- Coca Card0–2%Brighty CardNot disclosed
- Virtual card
- Coca CardVirtual card free for all tiersBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Coca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/EliteBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Coca Card6 plans: Starter, Standard, Standard+, Premium +2Brighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Coca CardElite: 8%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Coca CardVisaBrighty CardVisa/Mastercard
- Card formats
- Coca CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Coca CardAvailableBrighty CardAvailable
- Mobile wallets
- Coca CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Coca CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Coca Card30,000 EUR/day; 30,000 EUR/transactionBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Coca Card30,000 EUR/monthBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Coca Card850 EUR/day; 5,000 EUR/monthBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Coca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Coca CardStablecoins: USDT, USDC, EURC, EURSBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Coca CardEUR IBAN receiveBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Coca CardStablecoin transfers; IBAN / bank transfersBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Coca CardEUR, USD where availableBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Coca Card1%Brighty Card0.5%
- Max cashback
- Coca Card8%Brighty Card1.8%
- Reward currency
- Coca CardStablecoins such as USDC or EURC cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Coca CardUp to 5% APYBrighty CardNot disclosed
- How it works
- Coca CardEarn on spending balanceBrighty CardEarn on spending balance
- Separate deposit
- Coca CardNoBrighty CardNo
- Use balance for spending
- Coca CardYesBrighty CardYes
- Lock-up
- Coca CardNoBrighty CardNo
Trust & availability
6 fields- Custody
- Coca CardSelf-custodyBrighty CardCustodial
- Control until payment
- Coca CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Coca CardNot disclosedBrighty CardWallester AS
- Custody / key management
- Coca CardNot disclosedBrighty CardFireblocks
- Identity verification
- Coca CardNot disclosedBrighty CardSumsub
- Programme operator
- Coca CardCOCA / CCA LABSBrighty CardNot disclosed
Sources
2 fields- Official sources
- Coca Card12Brighty Card25
- Last reviewed
- Coca CardAug 5, 2026Brighty CardAug 16, 2026
04 · The closer call
Coca Card and Brighty Card need a closer personal call
The Overall Score ends level at 70, so there is no honest all-round winner here. Coca Card has the lower published FX fee (0% on direct pairs vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Coca Card has the higher published base cashback rate (1% vs 0.5%).
Coca Card looks stronger for Travel and Funds control, while Brighty Card comes out ahead for Cashback, Lowest fees, and Transfers. Coca Card uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Coca Card and Brighty Card reviews first.
Continue with
Coca Card
Continue with
Brighty Card
05 · Common questions
Coca vs Brighty FAQ
Is Coca or Brighty better overall?
Coca Card and Brighty 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, Coca or Brighty?
Coca Card has the lower published FX fee (0% on direct pairs 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, Coca or Brighty?
Coca Card has the higher published base cashback rate (1% 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 Coca and Brighty differ on custody?
Coca Card uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coca vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.