Ethena PayEthena Pay
86
Side-by-side card comparison
Ethena Pay vs Brighty: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 16 points (86 vs 70). Ethena Pay Card looks stronger for Cashback, Funds control, and Lowest fees, while Brighty Card comes out ahead for Travel and Transfers.
Information checked Sep 1, 202637 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Travel and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallEthena Pay86Brighty70Higher score
CashbackEthena Pay89Brighty48Higher score
TravelEthena Pay64Brighty80Higher score
Funds controlEthena Pay86Brighty65Higher score
Lowest feesEthena Pay87Brighty68Higher score
TransfersEthena Pay82Brighty93Higher score
Choose Ethena Pay Card if cashback and funds control matter most
Ethena Pay Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
Choose Brighty Card if travel and transfers matter most
Brighty Card comes out ahead for Travel 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 each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Ethena Pay86Brighty70
Ethena Pay Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Ethena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Ethena Pay4% base · up to 5%Brighty0.5% base · up to 1.75%
Ethena Pay Card has the higher published base cashback rate (4% vs 0.5%).
- Funds control
- Ethena PayHybrid custodyBrightyCustodial balance
Ethena Pay Card uses a hybrid custody 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
- Ethena PayVirtual · Apple PayBrightyVirtual + Physical · Apple Pay
Brighty Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Ethena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawalBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsEthena Pay CardOverall86Brighty CardOverall70
Ethena Pay CardOverall86Brighty CardOverall70Scores
6 fields- Overall Score
- Ethena Pay Card86Brighty Card70
- Cashback score
- Ethena Pay Card89Brighty Card48
- Travel score
- Ethena Pay Card64Brighty Card80
- Funds control score
- Ethena Pay Card86Brighty Card65
- Lowest fees score
- Ethena Pay Card87Brighty Card68
- Transfers score
- Ethena Pay Card82Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Ethena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markupBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Ethena Pay CardCard access is still application-gated, One-day payment grace adds liquidation riskBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Ethena Pay Card$0Brighty Card$0
- FX fee
- Ethena Pay Card0% Ethena Pay markup; Visa rate appliesBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separateBrighty Card0%
- Card spending fee
- Ethena Pay Card0%Brighty CardNot disclosed
- ATM fee
- Ethena Pay CardNot availableBrighty CardNot disclosed
- Virtual card
- Ethena Pay CardUSD 0Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Ethena Pay CardNot disclosedBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Ethena Pay Card3 plans: Standard, Pro, VIPBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Ethena Pay CardVIP: 5%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Ethena Pay CardVisaBrighty CardVisa/Mastercard
- Card formats
- Ethena Pay CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Ethena Pay CardNot availableBrighty CardAvailable
- Mobile wallets
- Ethena Pay CardApple PayBrighty CardApple Pay
- Apps
- Ethena Pay CardiOS, WebBrighty CardiOS, Android
- Daily spending limit
- Ethena Pay CardDynamic, based on collateral market valueBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Ethena Pay CardDynamic, based on collateral market valueBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Ethena Pay CardNot availableBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Ethena Pay CardEthereum, Polygon, Optimism, ArbitrumBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Ethena Pay CardNot disclosedBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Ethena Pay CardNot disclosedBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Ethena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawalBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Ethena Pay CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Ethena Pay Card4%Brighty Card0.5%
- Max cashback
- Ethena Pay Card5%Brighty Card1.8%
- Reward currency
- Ethena Pay CardAVAXBrighty CardUSDC
Earn
5 fields- Advertised APY
- Ethena Pay CardUp to 6% APYBrighty CardNot disclosed
- How it works
- Ethena Pay CardEarn on spending balanceBrighty CardEarn on spending balance
- Separate deposit
- Ethena Pay CardNoBrighty CardNo
- Use balance for spending
- Ethena Pay CardYesBrighty CardYes
- Lock-up
- Ethena Pay CardNoBrighty CardNo
Trust & availability
6 fields- Custody
- Ethena Pay CardHybrid custodyBrighty CardCustodial
- Control until payment
- Ethena Pay CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Ethena Pay CardThird NationalBrighty CardWallester AS
- Card processing
- Ethena Pay CardSignify Holdings, Inc. d/b/a RainBrighty CardNot disclosed
- Custody / key management
- Ethena Pay CardNot disclosedBrighty CardFireblocks
- Identity verification
- Ethena Pay CardSumsubBrighty CardSumsub
Sources
2 fields- Official sources
- Ethena Pay Card12Brighty Card25
- Last reviewed
- Ethena Pay CardSep 1, 2026Brighty CardAug 16, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 70 for Brighty Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Ethena Pay Card has the higher published base cashback rate (4% vs 0.5%).
Brighty Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Ethena Pay Card uses a hybrid custody setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Brighty Card lists more stablecoins and ways to send money out (5 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Ethena Pay Card and Brighty Card reviews first.
Continue with
Ethena Pay Card
Continue with
Brighty Card
05 · Common questions
Ethena Pay vs Brighty FAQ
Is Ethena Pay or Brighty better overall?
Ethena Pay Card has the higher Overall Score (86 vs 70). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Ethena Pay or Brighty?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies 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, Ethena Pay or Brighty?
Ethena Pay Card has the higher published base cashback rate (4% 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 Ethena Pay and Brighty differ on custody?
Ethena Pay Card uses a hybrid custody 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 Ethena Pay vs Brighty comparison?
The latest information check for these two cards was September 1, 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.