KartaKarta Personal
61
Side-by-side card comparison
Karta Personal vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 9 points (70 vs 61). Karta Personal Card looks stronger for Funds control, while Brighty Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 16, 202650 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. Karta Personal Card may be the better fit for Funds control. 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.
OverallKarta Personal61Brighty70Higher score
CashbackKarta Personal14Brighty48Higher score
TravelKarta Personal46Brighty80Higher score
Funds controlKarta Personal92Brighty65Higher score
Lowest feesKarta Personal53Brighty68Higher score
TransfersKarta Personal90Brighty93Higher score
Choose Karta Personal Card if funds control matters most
Karta Personal Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- USDT and USDC deposits across multiple networks
- Apple Pay, Google Pay and contactless ATM access
- Live multi-network crypto payouts
Choose Brighty Card if cashback and travel matter most
Brighty Card comes out ahead for Cashback, Travel, 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.
- 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
- Karta Personal61Brighty70
Brighty Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Karta Personal$0 plan · 1–3% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%).
- Purchase rewards
- Karta Personal0% cashbackBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Karta PersonalSelf-controlled walletBrightyCustodial balance
Karta Personal 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
- Karta PersonalVirtual · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Karta Personal3 stablecoins · Stablecoin transfers; Karta-to-Karta transfer; Bank payoutBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Karta Personal Card lists more stablecoins and ways to send money out (6 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
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- USD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attempt
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 5 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
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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
CardsKarta Personal CardOverall61Brighty CardOverall70
Karta Personal CardOverall61Brighty CardOverall70Scores
6 fields- Overall Score
- Karta Personal Card61Brighty Card70
- Cashback score
- Karta Personal Card14Brighty Card48
- Travel score
- Karta Personal Card46Brighty Card80
- Funds control score
- Karta Personal Card92Brighty Card65
- Lowest fees score
- Karta Personal Card53Brighty Card68
- Transfers score
- Karta Personal Card90Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Karta Personal CardUSDT and USDC deposits across multiple networks, Apple Pay, Google Pay and contactless ATM accessBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Karta Personal CardSeveral separate foreign-payment charges, Telegram Mini App is the only app surfaceBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Karta Personal Card$0Brighty Card$0
- FX fee
- Karta Personal Card1–3%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Karta Personal CardFree on Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana and Ethereum; 5.90 USDT on TRC-20Brighty Card0%
- Card spending fee
- Karta Personal Card1.5%Brighty CardNot disclosed
- ATM fee
- Karta Personal CardUSD 1 + 2.5% per successful contactless withdrawal; USD 1 for a declined attemptBrighty CardNot disclosed
- Virtual card
- Karta Personal Card5 USDT one-timeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Karta Personal Card99 USDT plastic / 299 USDT Metal LED preorderBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Karta Personal CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Karta Personal CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Karta Personal CardVisaBrighty CardVisa/Mastercard
- Card formats
- Karta Personal CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Karta Personal CardAvailableBrighty CardAvailable
- Mobile wallets
- Karta Personal CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Karta Personal CardNo app listedBrighty CardiOS, Android
- Daily spending limit
- Karta Personal Card$25,000 per transaction; no universal daily amount publishedBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Karta Personal CardNot publicly disclosed; limits are dynamicBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Karta Personal Card$250 per contactless withdrawal; maximum 3 attempts per rolling 24hBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Karta Personal CardPolygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana +17Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Karta Personal CardStablecoins: USDT, USDCBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Karta Personal CardBank depositsBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Karta Personal CardStablecoin transfers; Karta-to-Karta transfer; Bank payoutBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Karta Personal CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Karta Personal Card0%Brighty Card0.5%
- Max cashback
- Karta Personal Card0%Brighty Card1.8%
- Reward currency
- Karta Personal CardNo cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Karta Personal CardNot offeredBrighty CardNot disclosed
- How it works
- Karta Personal CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Karta Personal CardNot offeredBrighty CardNo
- Use balance for spending
- Karta Personal CardNot offeredBrighty CardYes
- Lock-up
- Karta Personal CardNot offeredBrighty CardNo
Trust & availability
6 fields- Custody
- Karta Personal CardSelf-custodyBrighty CardCustodial
- Control until payment
- Karta Personal CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Karta Personal CardNimbus LLC d/b/a Third NationalBrighty CardWallester AS
- Custody / key management
- Karta Personal CardPrivyBrighty CardFireblocks
- Identity verification
- Karta Personal CardSumsubBrighty CardSumsub
- Programme operator
- Karta Personal CardKarta Finance, Inc.Brighty CardNot disclosed
Sources
2 fields- Official sources
- Karta Personal Card25Brighty Card25
- Last reviewed
- Karta Personal CardAug 11, 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 61 for Karta Personal Card. Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Karta Personal Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Karta Personal 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.
Karta Personal Card lists more stablecoins and ways to send money out (6 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 Karta Personal Card and Brighty Card reviews first.
Continue with
Karta Personal Card
Continue with
Brighty Card
05 · Common questions
Karta Personal vs Brighty FAQ
Is Karta Personal or Brighty better overall?
Brighty Card has the higher Overall Score (70 vs 61). 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, Karta Personal or Brighty?
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Karta Personal 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 Karta Personal and Brighty differ on custody?
Karta Personal 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 Karta Personal vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.