PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Brighty: overall score versus use-case fit
Plasma One Card has the higher Overall Score by 17 points (87 vs 70). Plasma One Card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while Brighty Card comes out ahead for Travel.
Information checked Aug 27, 202637 official sources reviewed
01 · Overall score versus use-case fit
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Travel. 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.
OverallPlasma One87Brighty70Higher score
CashbackPlasma One78Brighty48Higher score
TravelPlasma One72Brighty80Higher score
Funds controlPlasma One99Brighty65Higher score
Lowest feesPlasma One80Brighty68Higher score
TransfersPlasma One100Brighty93Higher score
Choose Plasma One Card if cashback and funds control matter most
Plasma One Card comes out ahead for Cashback, Funds control, 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
Choose Brighty Card if travel matters most
Brighty Card comes out ahead for Travel 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
- Plasma One87Brighty70
Plasma One Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Plasma One$0 plan · 0–1% 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
- Plasma One2% base · up to 10%Brighty0.5% base · up to 1.75%
Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- Plasma OneSelf-controlled walletBrightyCustodial balance
Plasma One 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
- Plasma OneVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Plasma One Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Plasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawalsBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Plasma One 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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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
CardsPlasma One CardOverall87Brighty CardOverall70
Plasma One CardOverall87Brighty CardOverall70Scores
6 fields- Overall Score
- Plasma One Card87Brighty Card70
- Cashback score
- Plasma One Card78Brighty Card48
- Travel score
- Plasma One Card72Brighty Card80
- Funds control score
- Plasma One Card99Brighty Card65
- Lowest fees score
- Plasma One Card80Brighty Card68
- Transfers score
- Plasma One Card100Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Plasma One Card$0Brighty Card$0
- FX fee
- Plasma One Card0–1%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Plasma One Card0%Brighty Card0%
- Card spending fee
- Plasma One CardNot disclosedBrighty CardNot disclosed
- ATM fee
- Plasma One CardNot availableBrighty CardNot disclosed
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Plasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Plasma One CardPlatinum: 4%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Plasma One CardVisaBrighty CardVisa/Mastercard
- Card formats
- Plasma One CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Plasma One CardNot availableBrighty CardAvailable
- Mobile wallets
- Plasma One CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Plasma One CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Plasma One CardShown in appBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Plasma One CardShown in appBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Plasma One CardNot available, including for physical cardsBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Plasma One Card2%Brighty Card0.5%
- Max cashback
- Plasma One Card10%Brighty Card1.8%
- Reward currency
- Plasma One CardUSD cashback paid in XPLBrighty CardUSDC
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYBrighty CardNot disclosed
- How it works
- Plasma One CardOptional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- Plasma One CardYesBrighty CardNo
- Use balance for spending
- Plasma One CardNoBrighty CardYes
- Lock-up
- Plasma One CardNoBrighty CardNo
Trust & availability
8 fields- Custody
- Plasma One CardSelf-custodyBrighty CardCustodial
- Control until payment
- Plasma One CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Plasma One CardRain, Third NationalBrighty CardWallester AS
- Card processing
- Plasma One Card0xBrighty CardNot disclosed
- Custody / key management
- Plasma One CardPrivy, VedaBrighty CardFireblocks
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCBrighty CardNot disclosed
- Identity verification
- Plasma One CardNot disclosedBrighty CardSumsub
- Programme operator
- Plasma One CardPlasmaBrighty CardNot disclosed
Sources
2 fields- Official sources
- Plasma One Card12Brighty Card25
- Last reviewed
- Plasma One CardAug 27, 2026Brighty CardAug 16, 2026
04 · The trade-off
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 70 for Brighty Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
Brighty Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Plasma One 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.
Plasma One 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 Plasma One Card and Brighty Card reviews first.
Continue with
Plasma One Card
Continue with
Brighty Card
05 · Common questions
Plasma One vs Brighty FAQ
Is Plasma One or Brighty better overall?
Plasma One Card has the higher Overall Score (87 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, Plasma One 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, Plasma One or Brighty?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One and Brighty differ on custody?
Plasma One 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 Plasma One vs Brighty comparison?
The latest information check for these two cards was August 27, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.