Brighty Card Review: Fees, Cashback and Subscription Plans

Brighty Card is a virtual Mastercard in euros, linked to the Brighty app, that spends from your euro and crypto balances. It has no monthly service fee, and Brighty's fee table lists a €2.99 issue fee. It pays 0.5% cashback in USDC on eligible purchases, capped at 20 USDC a month on the free One plan.

Brighty sells three subscription plans, One, Plus and Pro. The plans change the exchange fee, the number of cards and the cashback cap, but Brighty shows the Plus and Pro prices only in the app, not on its fee page.

Brighty Card cashback

Brighty Card pays 0.5% cashback in USDC on eligible purchases on every plan, with a monthly cap of 20 USDC on One, 60 USDC on Plus and 100 USDC on Pro, according to Brighty's help center.

At 0.5%, the One plan's 20 USDC cap is reached after about $4,000 of spending, roughly €3,400 a month. Plus reaches its 60 USDC cap at about €10,300 and Pro its 100 USDC cap at about €17,100, so upgrading only raises your cashback if you spend more than about €3,400 a month.

Selected categories can earn up to 1.25% to 1.75%, depending on the plan and the categories you choose. Cashback lands in a Reward Box on the first of each month and becomes usable after a waiting period. ATM withdrawals, transfers, gambling, crypto purchases and payments through Curve don't earn anything.

Brighty Card fees

Brighty Card has no monthly service fee on any plan, and Brighty's fee table lists a €2.99 issue fee per virtual card.

Brighty's currency exchange fee depends on the plan: 0.6% on One, 0.5% on Plus after €2,000 of free exchanges a month, and 0.4% on Pro after €5,000. On One every €1,000 you exchange costs €6, while Plus and Pro let you exchange the first €2,000 and €5,000 each month for free. Brighty doesn't list an FX fee for card payments in other currencies.

Card purchases are limited to €50,000 on One, €75,000 on Plus and €100,000 on Pro.

Brighty Card ATM withdrawal fees

Brighty doesn't list an ATM fee for the Brighty Card on its fees and limits page.

The card is also virtual only, since Brighty says orders for a physical Mastercard won't be fulfilled. If you need cash regularly, pick a card that comes as a physical card and lists its ATM fee.

Is Brighty Card safe?

Brighty Card is custodial: your euros and crypto sit in your Brighty account, and Brighty holds them.

Brighty's terms are with BTY DIGITAL AG, a Swiss company. The card runs on Mastercard, with Monavate as BIN sponsor and programme partner and Marqeta as card processor, according to those terms.

Brighty's help center also carries a wind-down notice for Wireflexion Sp. z o.o., a separate affiliated company. Wireflexion is stopping its services, its Visa cards are frozen, and incoming transfers to its existing accounts are blocked. Its customers can still withdraw their crypto and fiat funds, and the notice says Mastercard cards aren't affected.

The notice is a reason to keep only spending money on the account until the wind-down is complete.

Who should get Brighty Card

Brighty Card suits people in Europe who already hold euros and crypto in the Brighty app and want a virtual card with Google Pay for everyday spending.

Upgrading to Plus or Pro mainly pays off if you exchange more than €2,000 a month, because the free exchange allowance grows with the plan, while the higher cashback caps only matter above about €3,400 of monthly spending.

As a standalone crypto card the Brighty Card is weaker, since the 0.5% cashback is low and there's no Apple Pay or physical card for now. The comparison below shows the strongest alternatives in your country.

Where Brighty Card is available

Brighty Card is available in 37 European countries, covering the EEA, Switzerland, Andorra, Monaco, San Marino, Montenegro, Serbia and Moldova, but not the UK or the US.