Visa / MCNo CEX
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa/Mastercard
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
01 · Build the comparison
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Metal cardNo CEX
- Cashback
- 1.5%-3%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa
Low FXTravel focus
- Cashback
- 1%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
64
Metal cardNo CEX
- Cashback
- 0%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Brighty CardOverall70
KAST CardOverall84
Bybit Card (EU)Overall68
ARQ CardOverall64
Brighty CardOverall70KAST CardOverall84Bybit Card (EU)Overall68ARQ CardOverall64- Special offer
- Brighty CardNo active offerKAST Card20% off20% off your first subscriptionBybit Card (EU)No active offerARQ CardNo active offer
Scores
6 fields- Overall Score
- Brighty Card70KAST Card84Bybit Card (EU)68ARQ Card64
- Cashback score
- Brighty Card48KAST Card75Bybit Card (EU)47ARQ Card41
- Travel score
- Brighty Card80KAST Card92Bybit Card (EU)87ARQ Card62
- Funds control score
- Brighty Card65KAST Card71Bybit Card (EU)51ARQ Card52
- Lowest fees score
- Brighty Card68KAST Card81Bybit Card (EU)72ARQ Card52
- Transfers score
- Brighty Card93KAST Card100Bybit Card (EU)79ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Brighty CardFree entry plan, USDC cashbackKAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Brighty CardNetwork-specific FX gap, Physical terms varyKAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Brighty Card$0KAST Card$0Bybit Card (EU)$0ARQ Card$0
- FX fee
- Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesKAST Card0.5–1.75%Bybit Card (EU)0.5%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Brighty Card0%KAST Card0%Bybit Card (EU)Not disclosedARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Brighty CardNot disclosedKAST Card0%Bybit Card (EU)Not disclosedARQ Card0%
- ATM fee
- Brighty CardNot disclosedKAST Card$3 + 2%Bybit Card (EU)2%ARQ Card1–3%
- Virtual card
- Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedKAST CardFree first twoBybit Card (EU)FreeARQ CardFree
- Physical card
- Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceKAST CardFree; $40 shippingBybit Card (EU)First physical card freeARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Brighty Card3 plans: One, Plus, ProKAST Card3 plans: Standard, Premium, PrivateBybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2ARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Brighty CardOne: 0.5%KAST CardPrivate: 3%Bybit Card (EU)VIP 6 / PRO 3-5: 10%ARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Brighty CardVisa/MastercardKAST CardVisaBybit Card (EU)MastercardARQ CardMastercard
- Card formats
- Brighty CardVirtual, PhysicalKAST CardVirtual, PhysicalBybit Card (EU)Virtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Brighty CardAvailableKAST CardAvailableBybit Card (EU)AvailableARQ CardAvailable
- Mobile wallets
- Brighty CardApple PayKAST CardApple Pay, Google PayBybit Card (EU)Apple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Brighty CardiOS, AndroidKAST CardiOS, AndroidBybit Card (EU)iOS, Android, WebARQ CardiOS, Android
- Daily spending limit
- Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / ProKAST CardNo capBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeARQ CardNot disclosed
- Monthly spending limit
- Brighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on ProKAST CardNo capBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeARQ CardNot disclosed
- ATM limit
- Brighty CardATM withdrawal limits are not published; only physical Visa fees are knownKAST CardLimits shown in appBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Bybit Card (EU)Not disclosedARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHKAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Bybit Card (EU)Other crypto: Supported cryptoARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Brighty CardSEPA / Faster Payments, SWIFTKAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Bybit Card (EU)Bybit EU Funding Account depositARQ CardUSD receive, EUR receive
- Transfers
- Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutKAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Brighty CardEUR, GBP, USD, AEDKAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Bybit Card (EU)Not disclosedARQ CardUSD
Rewards
3 fields- Base cashback
- Brighty Card0.5%KAST Card1.5%Bybit Card (EU)1%ARQ Card0%
- Max cashback
- Brighty Card1.8%KAST Card3%Bybit Card (EU)10%ARQ Card2%
- Reward currency
- Brighty CardUSDCKAST CardUSD cashbackBybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)ARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Brighty CardNot disclosedKAST CardUp to 7% APYBybit Card (EU)Up to 8% APYARQ CardUp to 4.5% APY
- How it works
- Brighty CardEarn on spending balanceKAST CardOptional earn vaultBybit Card (EU)Not disclosedARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Brighty CardNoKAST CardYesBybit Card (EU)Not disclosedARQ CardYes
- Use balance for spending
- Brighty CardYesKAST CardNoBybit Card (EU)Not disclosedARQ CardNo
- Lock-up
- Brighty CardNoKAST CardNoBybit Card (EU)Not disclosedARQ CardNo
Trust & availability
7 fields- Custody
- Brighty CardCustodialKAST CardCustodialBybit Card (EU)CustodialARQ CardCustodial
- Control until payment
- Brighty CardProvider controls fundsKAST CardProvider controls fundsBybit Card (EU)Provider controls fundsARQ CardProvider controls funds
- Card issuer
- Brighty CardWallester ASKAST CardThird NationalBybit Card (EU)Harmoniie SAS, Moorwand LtdARQ CardNot disclosed
- Card processing
- Brighty CardNot disclosedKAST CardTazapayBybit Card (EU)Not disclosedARQ CardNot disclosed
- Custody / key management
- Brighty CardFireblocksKAST CardBitGoBybit Card (EU)Not disclosedARQ CardNot disclosed
- Identity verification
- Brighty CardSumsubKAST CardNot disclosedBybit Card (EU)Not disclosedARQ CardNot disclosed
- Programme operator
- Brighty CardNot disclosedKAST CardTroia CorpBybit Card (EU)Not disclosedARQ CardNot disclosed
Sources
2 fields- Official sources
- Brighty Card25KAST Card20Bybit Card (EU)10ARQ Card36
- Last reviewed
- Brighty CardAug 16, 2026KAST CardAug 28, 2026Bybit Card (EU)Aug 14, 2026ARQ CardAug 5, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.