TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Brighty: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 4 points (74 vs 70). Tuyo Card looks stronger for Funds control and Lowest fees, while Brighty Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 16, 202637 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Cashback, 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.
OverallTuyo74Brighty70Higher score
CashbackTuyo39Brighty48Higher score
TravelTuyo42Brighty80Higher score
Funds controlTuyo100Brighty65Higher score
Lowest feesTuyo71Brighty68Higher score
TransfersTuyo72Brighty93Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Brighty Card if cashback and travel matter most
Brighty Card comes out ahead for Cashback, 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
- Tuyo74Brighty70
Tuyo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Brighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- TuyoSelf-controlled walletBrightyCustodial balance
Tuyo 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
- TuyoVirtual · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 2).
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%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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
CardsTuyo CardOverall74Brighty CardOverall70
Tuyo CardOverall74Brighty CardOverall70Scores
6 fields- Overall Score
- Tuyo Card74Brighty Card70
- Cashback score
- Tuyo Card39Brighty Card48
- Travel score
- Tuyo Card42Brighty Card80
- Funds control score
- Tuyo Card100Brighty Card65
- Lowest fees score
- Tuyo Card71Brighty Card68
- Transfers score
- Tuyo Card72Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Tuyo Card$0Brighty Card$0
- FX fee
- Tuyo Card1–3%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Tuyo CardNot disclosedBrighty Card0%
- Card spending fee
- Tuyo Card0%Brighty CardNot disclosed
- ATM fee
- Tuyo CardNot availableBrighty CardNot disclosed
- Virtual card
- Tuyo CardFreeBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Tuyo CardComing soon; not currently availableBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Tuyo CardNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Tuyo CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Tuyo CardVisaBrighty CardVisa/Mastercard
- Card formats
- Tuyo CardVirtualBrighty CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableBrighty CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Tuyo CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Brighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Brighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Tuyo CardStablecoins: USDCBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Tuyo CardVirtual-account receivingBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Tuyo CardStablecoin transfersBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Tuyo CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Tuyo Card0%Brighty Card0.5%
- Max cashback
- Tuyo Card100%Brighty Card1.8%
- Reward currency
- Tuyo CardUSDBrighty CardUSDC
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYBrighty CardNot disclosed
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultBrighty CardEarn on spending balance
- Separate deposit
- Tuyo CardYesBrighty CardNo
- Use balance for spending
- Tuyo CardYesBrighty CardYes
- Lock-up
- Tuyo CardNot disclosedBrighty CardNo
Trust & availability
8 fields- Custody
- Tuyo CardSelf-custodyBrighty CardCustodial
- Control until payment
- Tuyo CardYou keep controlBrighty CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalBrighty CardWallester AS
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Brighty CardNot disclosed
- Custody / key management
- Tuyo CardNot disclosedBrighty CardFireblocks
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Brighty CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedBrighty CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- Tuyo Card12Brighty Card25
- Last reviewed
- Tuyo CardAug 5, 2026Brighty CardAug 16, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 70 for Brighty Card. Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Brighty Card still comes out ahead for Cashback, Travel, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tuyo 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 2). 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 Tuyo Card and Brighty Card reviews first.
Continue with
Tuyo Card
Continue with
Brighty Card
05 · Common questions
Tuyo vs Brighty FAQ
Is Tuyo or Brighty better overall?
Tuyo Card has the higher Overall Score (74 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, Tuyo or Brighty?
Brighty Card has the lower published FX fee (Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tuyo 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 Tuyo and Brighty differ on custody?
Tuyo 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 Tuyo vs Brighty comparison?
The latest information check for these two cards was August 16, 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.