TangemTangem
77
Side-by-side card comparison
Tangem vs Brighty: overall score versus use-case fit
Tangem Card has the higher Overall Score by 7 points (77 vs 70). Tangem Card looks stronger for Cashback and Funds control, while Brighty Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Oct 11, 202645 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem 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.
OverallTangem77Brighty70Higher score
CashbackTangem73Brighty48Higher score
TravelTangem63Brighty80Higher score
Funds controlTangem87Brighty65Higher score
Lowest feesTangem52Brighty67Higher score
TransfersTangem65Brighty93Higher score
Choose Tangem Card if cashback and funds control matter most
Tangem 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.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Tangem77Brighty70
Tangem Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Tangem1% base · up to 2%Brighty0.5% base · up to 1.75%
Tangem Card has the higher published base cashback rate (1% vs 0.5%).
- Funds control
- TangemHybrid custodyBrightyCustodial balance
Tangem 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
- TangemVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem2 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 3).
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
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 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
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
CardsTangem CardOverall77Brighty CardOverall70
Tangem CardOverall77Brighty CardOverall70Scores
6 fields- Overall Score
- Tangem Card77Brighty Card70
- Cashback score
- Tangem Card73Brighty Card48
- Travel score
- Tangem Card63Brighty Card80
- Funds control score
- Tangem Card87Brighty Card65
- Lowest fees score
- Tangem Card52Brighty Card67
- Transfers score
- Tangem Card65Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Brighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Tangem Card$0Brighty Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateBrighty Card0.3–0.7%
- Card spending fee
- Tangem Card0%Brighty CardNot disclosed
- ATM fee
- Tangem Card2–4%Brighty CardNot disclosed
- Virtual card
- Tangem Card$0 for the first virtual cardBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Tangem CardPlus: 2%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Tangem CardVisaBrighty CardVisa/Mastercard
- Card formats
- Tangem CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableBrighty CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Tangem CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsBrighty CardPublished period is ambiguous: virtual Visa €15k on One/Plus/Pro; virtual Mastercard €50k / €75k / €100k on One / Plus / Pro
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthBrighty CardPublished period is ambiguous: physical Visa €15k on both Plus and Pro
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Tangem CardStablecoin transfersBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Tangem CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Tangem Card1%Brighty Card0.5%
- Max cashback
- Tangem Card2%Brighty Card1.8%
- Reward currency
- Tangem CardUSDCBrighty CardUSDC
Earn
5 fields- Advertised APY
- Tangem CardNot offeredBrighty CardNot disclosed
- How it works
- Tangem CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Tangem CardNot offeredBrighty CardNo
- Use balance for spending
- Tangem CardNot offeredBrighty CardYes
- Lock-up
- Tangem CardNot offeredBrighty CardNo
Trust & availability
7 fields- Custody
- Tangem CardHybrid custodyBrighty CardCustodial
- Control until payment
- Tangem CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Tangem CardThird NationalBrighty CardWallester AS
- Card processing
- Tangem CardPaera LLCBrighty CardNot disclosed
- Custody / key management
- Tangem CardNot disclosedBrighty CardFireblocks
- Identity verification
- Tangem CardSumsubBrighty CardSumsub
- Programme operator
- Tangem CardNot disclosedBrighty CardBTY Digital AG
Sources
2 fields- Official sources
- Tangem Card20Brighty Card25
- Last reviewed
- Tangem CardOct 11, 2026Brighty CardOct 6, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 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. Tangem Card has the higher published base cashback rate (1% 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. Tangem 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.
Brighty Card lists more stablecoins and ways to send money out (5 vs 3). 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 Tangem Card and Brighty Card reviews first.
Continue with
Tangem Card
Continue with
Brighty Card
05 · Common questions
Tangem vs Brighty FAQ
Is Tangem or Brighty better overall?
Tangem Card has the higher Overall Score (77 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, Tangem 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, Tangem or Brighty?
Tangem 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 Tangem and Brighty differ on custody?
Tangem 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 Tangem vs Brighty comparison?
The latest information check for these two cards was October 11, 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.