Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 4 points (70 vs 66). Exa Card looks stronger for Funds control and Transfers, while Brighty Card comes out ahead for Cashback, Travel, and Lowest fees.
Information checked Aug 23, 202656 official sources reviewed
01 · Overall score versus use-case fit
Brighty Card is the better all-round starting point
Brighty Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control 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.
OverallExa66Brighty70Higher score
CashbackExa19Brighty48Higher score
TravelExa61Brighty80Higher score
Funds controlExa88Brighty65Higher score
Lowest feesExa67Brighty68Higher score
TransfersExa97Brighty93Higher score
Choose Exa Card if funds control and transfers matter most
Exa Card comes out ahead for 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.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose Brighty Card if cashback and travel matter most
Brighty Card comes out ahead for Cashback, Travel, 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.
- 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
- Exa66Brighty70
Brighty Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Exa Card has the lower published FX fee (1.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Exa0% cashbackBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- ExaSelf-controlled walletBrightyCustodial balance
Exa Card uses a self-controlled wallet 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
- ExaVirtual · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Both cards list the same number of stablecoins and ways to send money out.
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.
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 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
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
CardsExa CardOverall66Brighty CardOverall70
Exa CardOverall66Brighty CardOverall70Scores
6 fields- Overall Score
- Exa Card66Brighty Card70
- Cashback score
- Exa Card19Brighty Card48
- Travel score
- Exa Card61Brighty Card80
- Funds control score
- Exa Card88Brighty Card65
- Lowest fees score
- Exa Card67Brighty Card68
- Transfers score
- Exa Card97Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Exa Card$0Brighty Card$0
- FX fee
- Exa Card1.5%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Exa Card1%Brighty Card0%
- Card spending fee
- Exa CardNot disclosedBrighty CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%Brighty CardNot disclosed
- Virtual card
- Exa CardFree with Exa WalletBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Exa CardNot availableBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Exa CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Exa CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Exa CardVisaBrighty CardVisa/Mastercard
- Card formats
- Exa CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableBrighty CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Exa CardiOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Exa Card$250/withdrawal; $1000/dayBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Exa CardOptimismBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Exa CardUSD, EURBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Exa Card0%Brighty Card0.5%
- Max cashback
- Exa Card0%Brighty Card1.8%
- Reward currency
- Exa CardNo cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYBrighty CardNot disclosed
- How it works
- Exa CardEarn on spending balance, Borrow against collateralBrighty CardEarn on spending balance
- Separate deposit
- Exa CardNoBrighty CardNo
- Use balance for spending
- Exa CardYesBrighty CardYes
- Lock-up
- Exa CardNoBrighty CardNo
Trust & availability
8 fields- Custody
- Exa CardSelf-custodyBrighty CardCustodial
- Control until payment
- Exa CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalBrighty CardWallester AS
- Card processing
- Exa CardExa Labs SASBrighty CardNot disclosed
- Custody / key management
- Exa CardNot disclosedBrighty CardFireblocks
- Deposits & withdrawals
- Exa CardBridge, MantecaBrighty CardNot disclosed
- Identity verification
- Exa CardNot disclosedBrighty CardSumsub
- Programme operator
- Exa CardExa Labs SASBrighty CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Brighty Card25
- Last reviewed
- Exa CardAug 23, 2026Brighty CardAug 16, 2026
04 · The trade-off
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 66 for Exa Card. Exa Card has the lower published FX fee (1.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Exa Card still comes out ahead for Funds control and Transfers, which may matter more than the overall result if that is how you plan to use the card. Exa Card uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Exa Card and Brighty Card reviews first.
Continue with
Exa Card
Continue with
Brighty Card
05 · Common questions
Exa vs Brighty FAQ
Is Exa or Brighty better overall?
Brighty Card has the higher Overall Score (70 vs 66). 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, Exa or Brighty?
Exa Card has the lower published FX fee (1.5% 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, Exa or Brighty?
Brighty Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Exa and Brighty differ on custody?
Exa Card uses a self-controlled wallet 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 Exa vs Brighty comparison?
The latest information check for these two cards was August 23, 2026, using 56 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.