Visa / MCMetal card
- Cashback
- 0%-2%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
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.
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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.
Visa / MCTiered rewards
- Cashback
- 2%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
Low FXTravel focus
- Cashback
- 1%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard
Visa / MCNo CEX
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa/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
Krak CardOverall74
Bybit Card (Global)Overall72
Bybit Card (EU)Overall68
Brighty CardOverall70
Krak CardOverall74Bybit Card (Global)Overall72Bybit Card (EU)Overall68Brighty CardOverall70- Special offer
- Krak CardNo active offerBybit Card (Global)Get 10 USDT10 USDT referral reward after qualifying Bybit Card spendBybit Card (EU)No active offerBrighty CardNo active offer
Scores
6 fields- Overall Score
- Krak Card74Bybit Card (Global)72Bybit Card (EU)68Brighty Card70
- Cashback score
- Krak Card41Bybit Card (Global)63Bybit Card (EU)47Brighty Card48
- Travel score
- Krak Card83Bybit Card (Global)80Bybit Card (EU)87Brighty Card80
- Funds control score
- Krak Card56Bybit Card (Global)51Bybit Card (EU)51Brighty Card65
- Lowest fees score
- Krak Card72Bybit Card (Global)66Bybit Card (EU)72Brighty Card67
- Transfers score
- Krak Card97Bybit Card (Global)79Bybit Card (EU)79Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Krak CardNo monthly, FX or Krak ATM fee, Both card formats and phone walletsBybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessBybit Card (EU)Funding Account connects deposits and card spend, Lite and Standard card accessBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Krak CardCrypto conversion spread is variable, The 2% tier needs a large balanceBybit Card (Global)Spending follows the Bybit account model, FX can get expensiveBybit Card (EU)ATM use gets costly after the allowance, Spending follows the Bybit EU account modelBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Krak Card$0Bybit Card (Global)$0Bybit Card (EU)$0Brighty Card$0
- FX fee
- Krak Card0–1%Bybit Card (Global)1.5–7%Bybit Card (EU)0.5%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Krak CardNot disclosedBybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty Card0%
- Card spending fee
- Krak Card0%Bybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardNot disclosed
- ATM fee
- Krak Card0% Krak fee; ATM operator may chargeBybit Card (Global)0–2%Bybit Card (EU)2%Brighty CardNot disclosed
- Virtual card
- Krak CardFreeBybit Card (Global)No fee until further noticeBybit Card (EU)FreeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Krak CardPlastic £0/€0/$0; US plastic requires $200 over 30 days; first eligible metal card £0/€0/$0Bybit Card (Global)Free / 5 / 29.99Bybit Card (EU)First physical card freeBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Krak Card5 plans: Starter, Lite, Pro, Elite +1Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Bybit Card (EU)6 plans: Base, VIP 1-2, VIP 3, VIP 4 / PRO 1 +2Brighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Krak CardMax: 2%Bybit Card (Global)Infinite: 10%Bybit Card (EU)VIP 6 / PRO 3-5: 10%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Krak CardMastercard/VisaBybit Card (Global)Mastercard/VisaBybit Card (EU)MastercardBrighty CardVisa/Mastercard
- Card formats
- Krak CardVirtual, PhysicalBybit Card (Global)Virtual, PhysicalBybit Card (EU)Virtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Krak CardAvailableBybit Card (Global)AvailableBybit Card (EU)AvailableBrighty CardAvailable
- Mobile wallets
- Krak CardApple Pay, Google PayBybit Card (Global)Apple Pay, Google Pay · Region dependentBybit Card (EU)Apple Pay, Google PayBrighty CardApple Pay
- Apps
- Krak CardiOS, AndroidBybit Card (Global)iOS, AndroidBybit Card (EU)iOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- Krak CardUK: £22,000/day; EEA: €12,000/day; US: $12,000/dayBybit Card (Global)$1k Peru · $5k Argentina · $50k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoBybit Card (EU)€5k / €10k / €15k by tier · Lite €150 lifetimeBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Krak CardUK: £22,000/month; EEA: €12,000/month; US: $22,000/monthBybit Card (Global)$5k Peru · $10k Argentina · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoBybit Card (EU)€10k / €25k / €50k by tier · Lite €150 lifetimeBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Krak CardUK: £250/withdrawal, £750/day, £4,000/month; EEA: €300/withdrawal, €900/day, €4,800/month; US: $250/withdrawal, $1,000/day, $5,000/monthBybit Card (Global)$50/$15k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedBybit Card (EU)€2k / €5k / €10k by tier · €2k per withdrawal and per dayBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Krak CardNot disclosedBybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Krak CardOther crypto: Supported cryptoBybit Card (Global)Other crypto: Supported cryptoBybit Card (EU)Other crypto: Supported cryptoBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Krak CardGBP bank transfer, EUR bank transfer, USD bank transferBybit Card (Global)Bybit account bank depositBybit Card (EU)Bybit EU Funding Account depositBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Krak CardStablecoin transfers; Krak internal send, Krak ↔ Kraken balance transfer; GBP Faster Payments, EUR SEPABybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalBybit Card (EU)Stablecoin transfers; Bybit EU account fiat withdrawalBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Krak CardGBP, EURBybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Krak Card0%Bybit Card (Global)2%Bybit Card (EU)1%Brighty Card0.5%
- Max cashback
- Krak Card2%Bybit Card (Global)10%Bybit Card (EU)10%Brighty Card1.8%
- Reward currency
- Krak CardGBP, EUR, USD or BTCBybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Bybit Card (EU)EUR-equivalent cashback via convertible Bybit Points (1 point = EUR 0.002; Auto Cashback from 50 points)Brighty CardUSDC
Earn
5 fields- Advertised APY
- Krak CardUp to 3.6% APYBybit Card (Global)Not disclosedBybit Card (EU)Up to 8% APYBrighty CardNot disclosed
- How it works
- Krak CardOptional earn vaultBybit Card (Global)Earn on spending balanceBybit Card (EU)Not disclosedBrighty CardEarn on spending balance
- Separate deposit
- Krak CardYesBybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardNo
- Use balance for spending
- Krak CardNoBybit Card (Global)YesBybit Card (EU)Not disclosedBrighty CardYes
- Lock-up
- Krak CardNot disclosedBybit Card (Global)NoBybit Card (EU)Not disclosedBrighty CardNo
Trust & availability
7 fields- Custody
- Krak CardCustodialBybit Card (Global)CustodialBybit Card (EU)CustodialBrighty CardCustodial
- Control until payment
- Krak CardProvider controls fundsBybit Card (Global)Provider controls fundsBybit Card (EU)Provider controls fundsBrighty CardProvider controls funds
- Card issuer
- Krak CardMonavate Limited, Lead Bank, UAB MonavateBybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Bybit Card (EU)Harmoniie SAS, Moorwand LtdBrighty CardWallester AS
- Card processing
- Krak CardStripeBybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardNot disclosed
- Custody / key management
- Krak CardNot disclosedBybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardFireblocks
- Identity verification
- Krak CardNot disclosedBybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardSumsub
- Programme operator
- Krak CardPayward Wallet, Inc.Bybit Card (Global)Not disclosedBybit Card (EU)Not disclosedBrighty CardNot disclosed
Sources
2 fields- Official sources
- Krak Card26Bybit Card (Global)9Bybit Card (EU)10Brighty Card25
- Last reviewed
- Krak CardAug 27, 2026Bybit Card (Global)Sep 5, 2026Bybit Card (EU)Sep 6, 2026Brighty CardAug 16, 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.