SolidSolid
89
Side-by-side card comparison
Solid vs Brighty: overall score versus use-case fit
Solid Card has the higher Overall Score by 19 points (89 vs 70). Solid Card looks stronger for Cashback, Funds control, and Lowest fees, while Brighty Card comes out ahead for Travel and Transfers.
Information checked Aug 25, 202645 official sources reviewed
01 · Overall score versus use-case fit
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Travel 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.
OverallSolid89Brighty70Higher score
CashbackSolid91Brighty48Higher score
TravelSolid62Brighty80Higher score
Funds controlSolid97Brighty65Higher score
Lowest feesSolid89Brighty68Higher score
TransfersSolid83Brighty93Higher score
Choose Solid Card if cashback and funds control matter most
Solid Card comes out ahead for Cashback, Funds control, 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.
- Savings can stay productive while spending
- Up to 50% on eligible AI subscriptions
- Eligible ACH/wire receive details
Choose Brighty Card if travel and transfers matter most
Brighty Card comes out ahead for Travel 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
- Solid89Brighty70
Solid Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Solid$0 plan · 1% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Solid 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
- Solid3% base · up to 5%Brighty0.5% base · up to 1.75%
Solid Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- SolidSelf-controlled walletBrightyCustodial balance
Solid 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
- SolidVirtual · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Solid3 stablecoins · Stablecoin transfersBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
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
- 3%-5%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 9 crypto · 1 fiat
- Payout methods
- 3 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Solid Card
Get $15
$15 new-user bonus after qualifying card spend
- Activate the Solid Card.
- Complete $75 of card spend.
Solid Card promo code15QRE
Solid may change or end the referral programme; check the current Rewards Terms before signing up.
Brighty Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsSolid CardOverall89Brighty CardOverall70
Solid CardOverall89Brighty CardOverall70Scores
6 fields- Overall Score
- Solid Card89Brighty Card70
- Cashback score
- Solid Card91Brighty Card48
- Travel score
- Solid Card62Brighty Card80
- Funds control score
- Solid Card97Brighty Card65
- Lowest fees score
- Solid Card89Brighty Card68
- Transfers score
- Solid Card83Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Solid CardSavings can stay productive while spending, Up to 50% on eligible AI subscriptionsBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Solid CardThe best rates require millions of points, ATM availability is still being checkedBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Solid Card$0Brighty Card$0
- FX fee
- Solid Card1%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Solid Card0%Brighty Card0%
- Card spending fee
- Solid Card0%Brighty CardNot disclosed
- ATM fee
- Solid CardNot availableBrighty CardNot disclosed
- Virtual card
- Solid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or SavingsBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Solid CardPhysical card not listedBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Solid Card3 plans: Core, Prime, UltraBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Solid CardUltra: 5%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Solid CardVisaBrighty CardVisa/Mastercard
- Card formats
- Solid CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Solid CardNot availableBrighty CardAvailable
- Mobile wallets
- Solid CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Solid CardiOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- Solid CardShown in appBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Solid CardShown in appBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Solid CardNot disclosedBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, ArbitrumBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Solid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSEBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Solid CardUSD virtual accountBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Solid CardStablecoin transfersBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Solid CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Solid Card3%Brighty Card0.5%
- Max cashback
- Solid Card5%Brighty Card1.8%
- Reward currency
- Solid CardUSDC cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Solid CardUp to 14% APYBrighty CardNot disclosed
- How it works
- Solid CardBorrow against collateral, Optional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- Solid CardYesBrighty CardNo
- Use balance for spending
- Solid CardNoBrighty CardYes
- Lock-up
- Solid CardNot disclosedBrighty CardNo
Trust & availability
7 fields- Custody
- Solid CardSelf-custodyBrighty CardCustodial
- Control until payment
- Solid CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Solid CardRain, Third NationalBrighty CardWallester AS
- Card processing
- Solid CardFuse Network LtdBrighty CardNot disclosed
- Custody / key management
- Solid CardNot disclosedBrighty CardFireblocks
- Identity verification
- Solid CardNot disclosedBrighty CardSumsub
- Programme operator
- Solid CardFuse Network LtdBrighty CardNot disclosed
Sources
2 fields- Official sources
- Solid Card20Brighty Card25
- Last reviewed
- Solid CardAug 25, 2026Brighty CardAug 16, 2026
04 · The trade-off
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 versus 70 for Brighty Card. Solid Card has the lower published FX fee (1% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Solid Card has the higher published base cashback rate (3% vs 0.5%).
Brighty Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Solid 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.
Brighty Card lists more stablecoins and ways to send money out (5 vs 4). 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 Solid Card and Brighty Card reviews first.
Continue with
Solid Card
Continue with
Brighty Card
05 · Common questions
Solid vs Brighty FAQ
Is Solid or Brighty better overall?
Solid Card has the higher Overall Score (89 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, Solid or Brighty?
Solid 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, Solid or Brighty?
Solid Card has the higher published base cashback rate (3% 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 Solid and Brighty differ on custody?
Solid 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 Solid vs Brighty comparison?
The latest information check for these two cards was August 25, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.