PhantomPhantom
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Side-by-side card comparison
Phantom vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 11 points (70 vs 59). Phantom Card looks stronger for Funds control, while Brighty Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 16, 202639 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. Phantom 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.
OverallPhantom59Brighty70Higher score
CashbackPhantom14Brighty48Higher score
TravelPhantom25Brighty80Higher score
Funds controlPhantom89Brighty65Higher score
Lowest feesPhantom44Brighty68Higher score
TransfersPhantom88Brighty93Higher score
Choose Phantom Card if funds control matters most
Phantom 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.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
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
- Phantom59Brighty70
Brighty Card has the higher Overall Score by 11 points.
- Entry cost & FX
- PhantomNot verified plan · May apply; shown before confirmation FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Phantom0% cashbackBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- PhantomSelf-controlled walletBrightyCustodial balance
Phantom 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
- PhantomVirtual · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Phantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Phantom Card lists more stablecoins and ways to send money out (8 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
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 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
CardsPhantom CardOverall59Brighty CardOverall70
Phantom CardOverall59Brighty CardOverall70Scores
6 fields- Overall Score
- Phantom Card59Brighty Card70
- Cashback score
- Phantom Card14Brighty Card48
- Travel score
- Phantom Card25Brighty Card80
- Funds control score
- Phantom Card89Brighty Card65
- Lowest fees score
- Phantom Card44Brighty Card68
- Transfers score
- Phantom Card88Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Phantom CardSelf-custody until settlement, Apple Pay and Google PayBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Phantom CardUS-only and virtual-only, No ATM; international fee unclearBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Phantom CardNot disclosedBrighty Card$0
- FX fee
- Phantom CardMay apply; shown before confirmationBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Phantom Card0.3–3.5%Brighty Card0%
- Card spending fee
- Phantom Card0%Brighty CardNot disclosed
- ATM fee
- Phantom CardNot availableBrighty CardNot disclosed
- Virtual card
- Phantom CardFree virtual cardBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Phantom CardNot availableBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Phantom CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Phantom CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Phantom CardVisaBrighty CardVisa/Mastercard
- Card formats
- Phantom CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Phantom CardNot availableBrighty CardAvailable
- Mobile wallets
- Phantom CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Phantom CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Phantom Card$2,000 default daily and per transaction; up to $5,000/day by support requestBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Phantom CardMonthly card-spend limit not publishedBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Phantom CardNot availableBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Phantom CardSolanaBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Phantom CardStablecoins: USDC, USDT, USDG, PYUSDBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wireBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Phantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payoutBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Phantom CardUSDBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Phantom Card0%Brighty Card0.5%
- Max cashback
- Phantom Card0%Brighty Card1.8%
- Reward currency
- Phantom CardNot applicableBrighty CardUSDC
Earn
5 fields- Advertised APY
- Phantom CardNot disclosedBrighty CardNot disclosed
- How it works
- Phantom CardOptional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- Phantom CardYesBrighty CardNo
- Use balance for spending
- Phantom CardNoBrighty CardYes
- Lock-up
- Phantom CardNot disclosedBrighty CardNo
Trust & availability
7 fields- Custody
- Phantom CardSelf-custodyBrighty CardCustodial
- Control until payment
- Phantom CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Phantom CardLead BankBrighty CardWallester AS
- Card processing
- Phantom CardBridge Ventures LLC, GalileoBrighty CardNot disclosed
- Custody / key management
- Phantom CardNot disclosedBrighty CardFireblocks
- Deposits & withdrawals
- Phantom CardStripeBrighty CardNot disclosed
- Identity verification
- Phantom CardLinkBrighty CardSumsub
Sources
2 fields- Official sources
- Phantom Card14Brighty Card25
- Last reviewed
- Phantom CardAug 5, 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 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Phantom 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. Phantom 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.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card and Brighty Card reviews first.
Continue with
Phantom Card
Continue with
Brighty Card
05 · Common questions
Phantom vs Brighty FAQ
Is Phantom or Brighty better overall?
Brighty Card has the higher Overall Score (70 vs 59). 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, Phantom or Brighty?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Phantom 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 Phantom and Brighty differ on custody?
Phantom 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 Phantom vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.