ether.fiether.fi Cash
87
Side-by-side card comparison
ether.fi Cash vs Brighty: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 17 points (87 vs 70). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Brighty Card may still be the better personal fit.
Information checked Aug 25, 202644 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Brighty Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
Overallether.fi Cash87Brighty70Higher score
Cashbackether.fi Cash86Brighty48Higher score
Travelether.fi Cash84Brighty80Higher score
Funds controlether.fi Cash96Brighty65Higher score
Lowest feesether.fi Cash69Brighty68Higher score
Transfersether.fi Cash97Brighty93Higher score
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
Choose Brighty Card if its day-to-day setup suits you
Brighty Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Free entry plan
- USDC cashback
- Multiple account rails
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ether.fi Cash87Brighty70
ether.fi Cash Card has the higher Overall Score by 17 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- ether.fi Cash3% cashbackBrighty0.5% base · up to 1.75%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- ether.fi CashNon-custodial accountBrightyCustodial balance
ether.fi Cash Card uses a non-custodial account 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
- ether.fi CashVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
ether.fi Cash Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 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
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare 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
Cardsether.fi Cash CardOverall87Brighty CardOverall70
ether.fi Cash CardOverall87Brighty CardOverall70Scores
6 fields- Overall Score
- ether.fi Cash Card87Brighty Card70
- Cashback score
- ether.fi Cash Card86Brighty Card48
- Travel score
- ether.fi Cash Card84Brighty Card80
- Funds control score
- ether.fi Cash Card96Brighty Card65
- Lowest fees score
- ether.fi Cash Card69Brighty Card68
- Transfers score
- ether.fi Cash Card97Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableBrighty CardFree entry plan, USDC cashback
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Brighty Card$0
- FX fee
- ether.fi Cash Card0–0.2%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- ether.fi Cash CardNot disclosedBrighty Card0%
- Card spending fee
- ether.fi Cash CardNot disclosedBrighty CardNot disclosed
- ATM fee
- ether.fi Cash Card2%Brighty CardNot disclosed
- Virtual card
- ether.fi Cash CardUp to 50 free virtual cards by tierBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical cardBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- ether.fi Cash CardCore: 3%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- ether.fi Cash CardVisaBrighty CardVisa/Mastercard
- Card formats
- ether.fi Cash CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableBrighty CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- ether.fi Cash CardiOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- ether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/dayBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- ether.fi Cash Card$250/withdrawal; $750/dayBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- ether.fi Cash CardEUR, USDBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Brighty Card0.5%
- Max cashback
- ether.fi Cash Card3%Brighty Card1.8%
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCBrighty CardUSDC
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYBrighty CardNot disclosed
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- ether.fi Cash CardNot disclosedBrighty CardNo
- Use balance for spending
- ether.fi Cash CardNot disclosedBrighty CardYes
- Lock-up
- ether.fi Cash CardNot disclosedBrighty CardNo
Trust & availability
7 fields- Custody
- ether.fi Cash CardNon-custodialBrighty CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalBrighty CardWallester AS
- Custody / key management
- ether.fi Cash CardNot disclosedBrighty CardFireblocks
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerBrighty CardNot disclosed
- Identity verification
- ether.fi Cash CardNot disclosedBrighty CardSumsub
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCBrighty CardNot disclosed
Sources
2 fields- Official sources
- ether.fi Cash Card19Brighty Card25
- Last reviewed
- ether.fi Cash CardAug 25, 2026Brighty CardAug 16, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 70 for Brighty Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
Brighty Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ether.fi Cash Card uses a non-custodial account setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5). 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 ether.fi Cash Card and Brighty Card reviews first.
Continue with
ether.fi Cash Card
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Brighty Card
05 · Common questions
ether.fi Cash vs Brighty FAQ
Is ether.fi Cash or Brighty better overall?
ether.fi Cash Card has the higher Overall Score (87 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, ether.fi Cash or Brighty?
ether.fi Cash Card has the lower published FX fee (0–0.2% 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, ether.fi Cash or Brighty?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash and Brighty differ on custody?
ether.fi Cash Card uses a non-custodial account 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 ether.fi Cash vs Brighty comparison?
The latest information check for these two cards was August 25, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.