KoloKolo
73
Side-by-side card comparison
Kolo vs Brighty: overall score versus use-case fit
Kolo Card has the higher Overall Score by 3 points (73 vs 70). Kolo Card looks stronger for Cashback and Lowest fees, while Brighty Card comes out ahead for Travel, Funds control, and Transfers.
Information checked Aug 28, 202653 official sources reviewed
01 · Overall score versus use-case fit
Kolo Card is the better all-round starting point
Kolo Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Travel, 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.
OverallKolo73Brighty70Higher score
CashbackKolo54Brighty48Higher score
TravelKolo70Brighty80Higher score
Funds controlKolo56Brighty65Higher score
Lowest feesKolo83Brighty68Higher score
TransfersKolo92Brighty93Higher score
Choose Kolo Card if cashback and lowest fees matter most
Kolo Card comes out ahead for Cashback 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 virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
Choose Brighty Card if travel and funds control matter most
Brighty Card comes out ahead for 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.
- 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
- Kolo73Brighty70
Kolo Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Kolo$0 plan · 1% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Kolo Card has the lower published FX fee (1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Kolo1% base · up to 2%Brighty0.5% base · up to 1.75%
Kolo Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- KoloCustodial balanceBrightyCustodial balance
Kolo Card and Brighty Card use the same custodial balance setup.
- Everyday access
- KoloVirtual · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Kolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 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
CardsKolo CardOverall73Brighty CardOverall70
Kolo CardOverall73Brighty CardOverall70Scores
6 fields- Overall Score
- Kolo Card73Brighty Card70
- Cashback score
- Kolo Card54Brighty Card48
- Travel score
- Kolo Card70Brighty Card80
- Funds control score
- Kolo Card56Brighty Card65
- Lowest fees score
- Kolo Card83Brighty Card68
- Transfers score
- Kolo Card92Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Kolo Card$0Brighty Card$0
- FX fee
- Kolo Card1%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Kolo Card0%Brighty Card0%
- Card spending fee
- Kolo CardNot disclosedBrighty CardNot disclosed
- ATM fee
- Kolo Card$1 + 0.65%Brighty CardNot disclosed
- Virtual card
- Kolo CardFreeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Kolo CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Kolo CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Kolo CardVisaBrighty CardVisa/Mastercard
- Card formats
- Kolo CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableBrighty CardAvailable
- Mobile wallets
- Kolo CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Kolo CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Kolo Card$9,000/dayBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Kolo Card$9,000/monthBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Brighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Kolo CardNot disclosedBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Kolo CardEURBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Kolo Card1%Brighty Card0.5%
- Max cashback
- Kolo Card2%Brighty Card1.8%
- Reward currency
- Kolo CardBTC cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Kolo CardNot offeredBrighty CardNot disclosed
- How it works
- Kolo CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Kolo CardNot offeredBrighty CardNo
- Use balance for spending
- Kolo CardNot offeredBrighty CardYes
- Lock-up
- Kolo CardNot offeredBrighty CardNo
Trust & availability
6 fields- Custody
- Kolo CardCustodialBrighty CardCustodial
- Control until payment
- Kolo CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedBrighty CardWallester AS
- Custody / key management
- Kolo CardNot disclosedBrighty CardFireblocks
- Identity verification
- Kolo CardSumSubBrighty CardSumsub
- Programme operator
- Kolo CardHardline Holding LimitedBrighty CardNot disclosed
Sources
2 fields- Official sources
- Kolo Card28Brighty Card25
- Last reviewed
- Kolo CardAug 28, 2026Brighty CardAug 16, 2026
04 · The trade-off
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 70 for Brighty Card. Kolo Card has the lower published FX fee (1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Kolo Card has the higher published base cashback rate (1% vs 0.5%).
Brighty Card still comes out ahead for Travel, Funds control, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Kolo Card and Brighty Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card and Brighty Card reviews first.
Continue with
Kolo Card
Continue with
Brighty Card
05 · Common questions
Kolo vs Brighty FAQ
Is Kolo or Brighty better overall?
Kolo Card has the higher Overall Score (73 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, Kolo or Brighty?
Kolo Card has the lower published FX fee (1% 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, Kolo or Brighty?
Kolo Card has the higher published base cashback rate (1% 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 Kolo and Brighty differ on custody?
Kolo Card and Brighty Card use the same custodial balance setup.
How current is this Kolo vs Brighty comparison?
The latest information check for these two cards was August 28, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.