ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Brighty: overall score versus use-case fit
ZEN Card has the higher Overall Score by 7 points (77 vs 70). ZEN Card looks stronger for Travel, Lowest fees, and Transfers, while Brighty Card comes out ahead for Cashback.
Information checked Aug 23, 202668 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Brighty Card may be the better fit for Cashback. 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.
OverallZEN77Brighty70Higher score
CashbackZEN39Brighty48Higher score
TravelZEN96Brighty80Higher score
Funds controlZEN65Brighty65Same score
Lowest feesZEN80Brighty68Higher score
TransfersZEN98Brighty93Higher score
Choose ZEN Card if travel and lowest fees matter most
ZEN 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 plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
Choose Brighty Card if cashback matters most
Brighty Card comes out ahead for Cashback 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
- ZEN77Brighty70
ZEN Card has the higher Overall Score by 7 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
ZEN Card has the lower published FX fee (0–0.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- ZEN0% baseBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- ZENCustodial balanceBrightyCustodial balance
ZEN Card and Brighty Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Both cards list the same number of stablecoins and ways to send money out.
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.
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 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
CardsZEN CardOverall77Brighty CardOverall70
ZEN CardOverall77Brighty CardOverall70Scores
6 fields- Overall Score
- ZEN Card77Brighty Card70
- Cashback score
- ZEN Card39Brighty Card48
- Travel score
- ZEN Card96Brighty Card80
- Funds control score
- ZEN Card65Brighty Card65
- Lowest fees score
- ZEN Card80Brighty Card68
- Transfers score
- ZEN Card98Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessBrighty CardFree entry plan, USDC cashback
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- ZEN Card$0Brighty Card$0
- FX fee
- ZEN Card0–0.5%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- ZEN Card0–3%Brighty Card0%
- Card spending fee
- ZEN Card0%Brighty CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Brighty CardNot disclosed
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Brighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- ZEN CardFree: 0%Brighty CardOne: 0.5%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaBrighty CardVisa/Mastercard
- Card formats
- ZEN CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableBrighty CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- ZEN CardiOS, Android, WebBrighty CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Brighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- ZEN CardNot publicly confirmedBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Brighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- ZEN CardEURBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- ZEN Card0%Brighty Card0.5%
- Max cashback
- ZEN CardNot disclosedBrighty Card1.8%
- Reward currency
- ZEN CardTransaction currencyBrighty CardUSDC
Earn
5 fields- Advertised APY
- ZEN CardNot offeredBrighty CardNot disclosed
- How it works
- ZEN CardNot offeredBrighty CardEarn on spending balance
- Separate deposit
- ZEN CardNot offeredBrighty CardNo
- Use balance for spending
- ZEN CardNot offeredBrighty CardYes
- Lock-up
- ZEN CardNot offeredBrighty CardNo
Trust & availability
6 fields- Custody
- ZEN CardCustodialBrighty CardCustodial
- Control until payment
- ZEN CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMBrighty CardWallester AS
- Custody / key management
- ZEN CardNot disclosedBrighty CardFireblocks
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCBrighty CardNot disclosed
- Identity verification
- ZEN CardNot disclosedBrighty CardSumsub
Sources
2 fields- Official sources
- ZEN Card43Brighty Card25
- Last reviewed
- ZEN CardAug 23, 2026Brighty CardAug 16, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 70 for Brighty Card. ZEN Card has the lower published FX fee (0–0.5% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Brighty Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. ZEN Card and Brighty Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 ZEN Card and Brighty Card reviews first.
Continue with
ZEN Card
Continue with
Brighty Card
05 · Common questions
ZEN vs Brighty FAQ
Is ZEN or Brighty better overall?
ZEN 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, ZEN or Brighty?
ZEN Card has the lower published FX fee (0–0.5% 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, ZEN 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 ZEN and Brighty differ on custody?
ZEN Card and Brighty Card use the same custodial balance setup.
How current is this ZEN vs Brighty comparison?
The latest information check for these two cards was August 23, 2026, using 68 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.