TriaTria
67
Side-by-side card comparison
Tria vs Brighty: overall score versus use-case fit
Brighty Card has the higher Overall Score by 3 points (70 vs 67). Tria Card looks stronger for Funds control, while Brighty Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 25, 202646 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. Tria 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.
OverallTria67Brighty70Higher score
CashbackTria45Brighty48Higher score
TravelTria62Brighty80Higher score
Funds controlTria91Brighty65Higher score
Lowest feesTria51Brighty68Higher score
TransfersTria63Brighty93Higher score
Choose Tria Card if funds control matters most
Tria 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 wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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
- Tria67Brighty70
Brighty Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Tria$25/year plan · 0–3% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Brighty Card has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Tria1.5% base · up to 6%Brighty0.5% base · up to 1.75%
Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- TriaSelf-controlled walletBrightyCustodial balance
Tria 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
- TriaVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Tria Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tria2 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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 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
CardsTria CardOverall67Brighty CardOverall70
Tria CardOverall67Brighty CardOverall70Scores
6 fields- Overall Score
- Tria Card67Brighty Card70
- Cashback score
- Tria Card45Brighty Card48
- Travel score
- Tria Card62Brighty Card80
- Funds control score
- Tria Card91Brighty Card65
- Lowest fees score
- Tria Card51Brighty Card68
- Transfers score
- Tria Card63Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Tria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet accessBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Tria CardEntry tier is paid, Funding and FX use separate fee layersBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Tria Card$25/yearBrighty Card$0
- FX fee
- Tria Card0–3%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Tria Card1%Brighty Card0%
- Card spending fee
- Tria CardNot disclosedBrighty CardNot disclosed
- ATM fee
- Tria CardUp to $2 + 3%; inquiry/decline up to $2Brighty CardNot disclosed
- Virtual card
- Tria Card$25/year Virtual membership; issued after payment and KYCBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Tria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gatedBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Tria Card3 plans: Virtual, Signature, PremiumBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Tria CardPremium: 6%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- Tria CardVisaBrighty CardVisa/Mastercard
- Card formats
- Tria CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Tria CardAvailableBrighty CardAvailable
- Mobile wallets
- Tria CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Tria CardiOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Tria CardDynamic / collateral-based; marketing claims up to $1,000,000/dayBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Tria Card$750/withdrawal; 3 withdrawals/24hBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Tria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2Brighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Tria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOLBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Tria CardNot disclosedBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Tria CardStablecoin transfersBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Tria CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Tria Card1.5%Brighty Card0.5%
- Max cashback
- Tria Card6%Brighty Card1.8%
- Reward currency
- Tria CardUSDC and/or USDT stablecoins cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Tria CardUp to 15% APYBrighty CardNot disclosed
- How it works
- Tria CardOptional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- Tria CardNot disclosedBrighty CardNo
- Use balance for spending
- Tria CardNot disclosedBrighty CardYes
- Lock-up
- Tria CardNoBrighty CardNo
Trust & availability
6 fields- Custody
- Tria CardSelf-custodyBrighty CardCustodial
- Control until payment
- Tria CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Tria CardNimbus, LLC, Third NationalBrighty CardWallester AS
- Custody / key management
- Tria CardNot disclosedBrighty CardFireblocks
- Identity verification
- Tria CardNot disclosedBrighty CardSumsub
- Programme operator
- Tria CardThreely Dimensions Inc.Brighty CardNot disclosed
Sources
2 fields- Official sources
- Tria Card21Brighty Card25
- Last reviewed
- Tria CardAug 25, 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 67 for Tria Card. Brighty Card has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0.5%).
Tria 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. Tria 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 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 Tria Card and Brighty Card reviews first.
Continue with
Tria Card
Continue with
Brighty Card
05 · Common questions
Tria vs Brighty FAQ
Is Tria or Brighty better overall?
Brighty Card has the higher Overall Score (70 vs 67). 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, Tria or Brighty?
Brighty Card has the lower starting plan cost ($0 vs $25/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tria or Brighty?
Tria Card has the higher published base cashback rate (1.5% 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 Tria and Brighty differ on custody?
Tria 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 Tria vs Brighty comparison?
The latest information check for these two cards was August 25, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.