OobitOobit
72
Side-by-side card comparison
Oobit vs Brighty: overall score versus use-case fit
Oobit Card has the higher Overall Score by 2 points (72 vs 70). Oobit Card looks stronger for Cashback and Funds control, while Brighty Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 16, 202641 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Travel, Lowest fees, 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.
OverallOobit72Brighty70Higher score
CashbackOobit68Brighty48Higher score
TravelOobit45Brighty80Higher score
Funds controlOobit77Brighty65Higher score
Lowest feesOobit51Brighty68Higher score
TransfersOobit64Brighty93Higher score
Choose Oobit Card if cashback and funds control matter most
Oobit Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose Brighty Card if travel and lowest fees matter most
Brighty Card comes out ahead for 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
- Oobit72Brighty70
Oobit Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Oobit$0 plan · 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 3%).
- Purchase rewards
- Oobit5% base · up to 10%Brighty0.5% base · up to 1.75%
Oobit Card has the higher published base cashback rate (5% vs 0.5%).
- Funds control
- OobitHybrid custodyBrightyCustodial balance
Oobit Card uses a hybrid custody 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
- OobitVirtual · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Oobit 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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall72Brighty CardOverall70
Oobit CardOverall72Brighty CardOverall70Scores
6 fields- Overall Score
- Oobit Card72Brighty Card70
- Cashback score
- Oobit Card68Brighty Card48
- Travel score
- Oobit Card45Brighty Card80
- Funds control score
- Oobit Card77Brighty Card65
- Lowest fees score
- Oobit Card51Brighty Card68
- Transfers score
- Oobit Card64Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Oobit Card$0Brighty Card$0
- FX fee
- Oobit Card3%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeBrighty Card0%
- Card spending fee
- Oobit Card$0.25 + 1%Brighty CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeBrighty CardNot disclosed
- Virtual card
- Oobit CardFreeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Oobit CardNot disclosedBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Oobit CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Oobit CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Oobit CardVisaBrighty CardVisa/Mastercard
- Card formats
- Oobit CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableBrighty CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Oobit CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Oobit CardNot disclosedBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Oobit CardNot disclosedBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Brighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Oobit Card5%Brighty Card0.5%
- Max cashback
- Oobit Card10%Brighty Card1.8%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenBrighty CardUSDC
Earn
5 fields- Advertised APY
- Oobit CardNot offeredBrighty CardNot disclosed
- How it works
- Oobit CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Oobit CardNot offeredBrighty CardNo
- Use balance for spending
- Oobit CardNot offeredBrighty CardYes
- Lock-up
- Oobit CardNot offeredBrighty CardNo
Trust & availability
5 fields- Custody
- Oobit CardHybrid custodyBrighty CardCustodial
- Control until payment
- Oobit CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Oobit CardThirdNationalBrighty CardWallester AS
- Custody / key management
- Oobit CardNot disclosedBrighty CardFireblocks
- Identity verification
- Oobit CardNot disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- Oobit Card16Brighty Card25
- Last reviewed
- Oobit CardAug 12, 2026Brighty CardAug 16, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 versus 70 for Brighty 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 3%). Oobit Card has the higher published base cashback rate (5% vs 0.5%).
Brighty Card still comes out ahead for Travel, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Oobit Card uses a hybrid custody setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Oobit 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 Oobit Card and Brighty Card reviews first.
Continue with
Oobit Card
Continue with
Brighty Card
05 · Common questions
Oobit vs Brighty FAQ
Is Oobit or Brighty better overall?
Oobit Card has the higher Overall Score (72 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, Oobit 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 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, Oobit or Brighty?
Oobit Card has the higher published base cashback rate (5% 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 Oobit and Brighty differ on custody?
Oobit Card uses a hybrid custody 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 Oobit vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.