ether.fiether.fi Cash
86
Side-by-side card comparison
ether.fi Cash vs Brighty: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 16 points (86 vs 70). ether.fi Cash Card looks stronger for Cashback, Travel, Funds control, and Transfers, while Brighty Card comes out ahead for Lowest fees.
Information checked Oct 6, 202662 official sources reviewed
01 · Overall score versus use-case fit
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 be the better fit for Lowest fees. 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 Cash86Brighty70Higher score
Cashbackether.fi Cash84Brighty48Higher score
Travelether.fi Cash82Brighty80Higher score
Funds controlether.fi Cash96Brighty65Higher score
Lowest feesether.fi Cash65Brighty67Higher score
Transfersether.fi Cash100Brighty93Higher score
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, 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 lowest fees matters most
Brighty Card comes out ahead for Lowest fees 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
- ether.fi Cash86Brighty70
ether.fi Cash Card has the higher Overall Score by 16 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.5% 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 (0–0.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- ether.fi Cash3% base · up to 4%Brighty0.5% 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 Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Brighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 5).
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
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 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
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
Cardsether.fi Cash CardOverall86Brighty CardOverall70
ether.fi Cash CardOverall86Brighty CardOverall70Scores
6 fields- Overall Score
- ether.fi Cash Card86Brighty Card70
- Cashback score
- ether.fi Cash Card84Brighty Card48
- Travel score
- ether.fi Cash Card82Brighty Card80
- Funds control score
- ether.fi Cash Card96Brighty Card65
- Lowest fees score
- ether.fi Cash Card65Brighty Card67
- Transfers score
- ether.fi Cash Card100Brighty 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, Borrowing accrues interest immediatelyBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Brighty Card$0
- FX fee
- ether.fi Cash Card0–0.5%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- ether.fi Cash CardNot disclosedBrighty Card0.3–0.7%
- Card spending fee
- ether.fi Cash CardNot disclosedBrighty CardNot disclosed
- ATM fee
- ether.fi Cash CardNot disclosedBrighty CardNot disclosed
- Virtual card
- ether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- ether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.Brighty 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 CardVIP: 4%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 CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.Brighty CardPublished period is ambiguous: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on 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 both Plus and Pro
- ATM limit
- ether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.Brighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10Brighty 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, LiquidBTC, LiquidETH +8Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- ether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10Brighty CardSEPA / Faster Payments, SWIFT
- Transfers
- ether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2Brighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- ether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22Brighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Brighty Card0.5%
- Max cashback
- ether.fi Cash Card4%Brighty Card1.8%
- Reward currency
- ether.fi Cash CardETHFI token cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.47% 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 CardBTY Digital AG
Sources
2 fields- Official sources
- ether.fi Cash Card37Brighty Card25
- Last reviewed
- ether.fi Cash CardOct 6, 2026Brighty CardOct 6, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 versus 70 for Brighty Card. ether.fi Cash Card has the lower published FX fee (0–0.5% 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 still comes out ahead for Lowest fees, which may matter more than the overall result if that is how you plan to use the card. 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 (12 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
Continue with
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 (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, ether.fi Cash or Brighty?
ether.fi Cash Card has the lower published FX fee (0–0.5% 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 October 6, 2026, using 62 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.