No FXVisa / MC
- Cashback
- 0%-3%
- Plan cost
- $1,000/year
- 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.
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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 / MCNo CEX
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa/Mastercard
Metal cardNo CEX
- Cashback
- 0.5%-1%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Mastercard
Visa / MCTiered rewards
- Cashback
- 2%-10%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
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03 · Compare the evidence
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Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Xapo CardOverall70
Brighty CardOverall70
Holyheld CardOverall75
Bybit Card (Global)Overall68
Xapo CardOverall70Brighty CardOverall70Holyheld CardOverall75Bybit Card (Global)Overall68- Special offer
- Xapo CardNo active offerBrighty CardNo active offerHolyheld CardNo active offerBybit Card (Global)Get 10 USDT10 USDT referral reward after qualifying Bybit Card spend
Scores
6 fields- Overall Score
- Xapo Card70Brighty Card70Holyheld Card75Bybit Card (Global)68
- Cashback score
- Xapo Card24Brighty Card48Holyheld Card64Bybit Card (Global)62
- Travel score
- Xapo Card91Brighty Card80Holyheld Card68Bybit Card (Global)76
- Funds control score
- Xapo Card63Brighty Card65Holyheld Card74Bybit Card (Global)47
- Lowest fees score
- Xapo Card77Brighty Card68Holyheld Card67Bybit Card (Global)64
- Transfers score
- Xapo Card100Brighty Card93Holyheld Card81Bybit Card (Global)78
Strengths & trade-offs
2 fields- Strengths
- Xapo CardNo Xapo FX markup, Account-backed bank and crypto railsBrighty CardFree entry plan, USDC cashbackHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardBybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard access
- Trade-offs
- Xapo Card$1,000 annual membership, Cashback is temporary and capped ambiguouslyBrighty CardNetwork-specific FX gap, Physical terms varyHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveBybit Card (Global)Spending follows the Bybit account model, FX can get expensive
Costs
7 fields- Plan cost
- Xapo Card$1,000/yearBrighty Card$0Holyheld Card$0Bybit Card (Global)$0
- FX fee
- Xapo Card0–0.29%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sourcesHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyBybit Card (Global)1–7%
- Top-up fee
- Xapo CardNo direct card top-up; the Xapo Account balance funds card spendingBrighty Card0%Holyheld Card0%Bybit Card (Global)Not disclosed
- Card spending fee
- Xapo Card0%Brighty CardNot disclosedHolyheld Card€0.50Bybit Card (Global)Not disclosed
- ATM fee
- Xapo Card0–2%Brighty CardNot disclosedHolyheld CardUp to EUR 2 + 2.5%Bybit Card (Global)0–2%
- Virtual card
- Xapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosedBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolvedHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessBybit Card (Global)No fee until further notice
- Physical card
- Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosedBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue priceHolyheld CardClassic: EUR 29; Metal: EUR 199Bybit Card (Global)Free / 5 / 29.99
Plans
2 fields- Available plans
- Xapo Card1 plans: Xapo Bank membershipBrighty Card3 plans: One, Plus, ProHolyheld Card3 plans: Classic, Limited Edition, MetalBybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2
- Top cashback plan
- Xapo CardXapo Bank membership: 0%Brighty CardOne: 0.5%Holyheld CardMetal: 1%Bybit Card (Global)Infinite: 10%
Everyday use
8 fields- Network
- Xapo CardVisa/MastercardBrighty CardVisa/MastercardHolyheld CardMastercardBybit Card (Global)Mastercard/Visa
- Card formats
- Xapo CardVirtual, PhysicalBrighty CardVirtual, PhysicalHolyheld CardVirtual, PhysicalBybit Card (Global)Virtual, Physical
- ATM withdrawals
- Xapo CardAvailableBrighty CardAvailableHolyheld CardAvailableBybit Card (Global)Available
- Mobile wallets
- Xapo CardNot disclosedBrighty CardApple PayHolyheld CardApple Pay, Google PayBybit Card (Global)Not disclosed
- Apps
- Xapo CardiOS, AndroidBrighty CardiOS, AndroidHolyheld CardiOS, Android, WebBybit Card (Global)iOS, Android
- Daily spending limit
- Xapo Card$50,000 daily for point-of-sale and online purchasesBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / ProHolyheld CardEUR 10,000 dailyBybit Card (Global)$1k Peru · $5k Argentina · $13.5k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN Mexico
- Monthly spending limit
- Xapo Card$250,000 monthly under the Visa Europe programmeBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on ProHolyheld CardEUR 25,000 monthly; EUR 250,000 annuallyBybit Card (Global)$5k Peru · $10k Argentina · $27k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN Mexico
- ATM limit
- Xapo Card$2,000 daily; Visa Europe also lists $15,000 monthlyBrighty CardATM withdrawal limits are not published; only physical Visa fees are knownHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysBybit Card (Global)$50/$1.8k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupported
Funding & transfers
5 fields- Networks
- Xapo CardBitcoin, Lightning, Ethereum, Tron, SolanaBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Bybit Card (Global)Not disclosed
- Crypto deposits
- Xapo CardStablecoins: USDC, USDT; Other crypto: BTCBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETHHolyheld CardStablecoins: USDC, USDTBybit Card (Global)Other crypto: Supported crypto
- Fiat deposits
- Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receiveBrighty CardSEPA / Faster Payments, SWIFTHolyheld CardPersonal EUR IBANBybit Card (Global)Bybit account bank deposit
- Transfers
- Xapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payoutBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payoutHolyheld CardStablecoin transfers; Outgoing SEPA transferBybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawal
- Payout currencies
- Xapo CardUSD, GBP, EURBrighty CardEUR, GBP, USD, AEDHolyheld CardEURBybit Card (Global)Not disclosed
Rewards
3 fields- Base cashback
- Xapo Card0%Brighty Card0.5%Holyheld Card0.5%Bybit Card (Global)2%
- Max cashback
- Xapo Card3%Brighty Card1.8%Holyheld Card1%Bybit Card (Global)10%
- Reward currency
- Xapo CardBTCBrighty CardUSDCHolyheld CardUSDCBybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)
Earn
5 fields- Advertised APY
- Xapo CardUp to 3.35% APYBrighty CardNot disclosedHolyheld CardNot disclosedBybit Card (Global)Not disclosed
- How it works
- Xapo CardEarn on spending balanceBrighty CardEarn on spending balanceHolyheld CardOptional earn vaultBybit Card (Global)Earn on spending balance
- Separate deposit
- Xapo CardNoBrighty CardNoHolyheld CardYesBybit Card (Global)Not disclosed
- Use balance for spending
- Xapo CardYesBrighty CardYesHolyheld CardNot disclosedBybit Card (Global)Yes
- Lock-up
- Xapo CardNoBrighty CardNoHolyheld CardNoBybit Card (Global)No
Trust & availability
7 fields- Custody
- Xapo CardCustodialBrighty CardCustodialHolyheld CardHybrid custodyBybit Card (Global)Custodial
- Control until payment
- Xapo CardProvider controls fundsBrighty CardProvider controls fundsHolyheld CardProvider controls fundsBybit Card (Global)Provider controls funds
- Card issuer
- Xapo CardTransact Payments Malta LimitedBrighty CardWallester ASHolyheld CardUnlimit EU LtdBybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.
- Custody / key management
- Xapo CardNot disclosedBrighty CardFireblocksHolyheld CardNot disclosedBybit Card (Global)Not disclosed
- Bank transfers
- Xapo CardXapo Bank LimitedBrighty CardNot disclosedHolyheld CardNot disclosedBybit Card (Global)Not disclosed
- Identity verification
- Xapo CardNot disclosedBrighty CardSumsubHolyheld CardSumsub / IdenfyBybit Card (Global)Not disclosed
- Programme operator
- Xapo CardNot disclosedBrighty CardNot disclosedHolyheld CardHolyheld Labs AGBybit Card (Global)Not disclosed
Sources
2 fields- Official sources
- Xapo Card21Brighty Card25Holyheld Card28Bybit Card (Global)9
- Last reviewed
- Xapo CardSep 1, 2026Brighty CardAug 16, 2026Holyheld CardAug 31, 2026Bybit Card (Global)Aug 14, 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.