The Brighty Card earns 0.5-1.75% cashback on a Visa debit card with a $0 (paid plans available) fee, available in EU (50+ countries).
Brighty is a Swiss neobank app combining fiat and crypto banking, co-founded in 2020 by ex-Revolut backend lead Nikolay Denisenko and Swiss banking veteran Roger Buerli. The company is headquartered in Zug, Switzerland and raised a $10 million round in December 2024 to expand its crypto-integrated payments product across Europe.
The Brighty Card is a crypto debit card offered by Brighty, available in EU (50+ countries). It offers 0.5-1.75% cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| One | 0.5% | Free plan |
| Plus | 1.25% | €9/mo subscription; starts at 0.75%, rises to 1.25% with spend |
| Pro | 1.75% | €18/mo subscription; starts at 1.25%, rises to 1.75% with spend |
On $500/mo spend, the estimated monthly cost breakdown for Brighty Card is: gas $0.00, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $3.00/mo cashback that is still a net cost of about $2.00/mo ($24.00/yr). Brighty Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: EU-regulated. 2% foreign transaction fee on Visa card payments. In-app FX exchange has plan-dependent markups (0.4-0.6%) after monthly free limit. ~1% crypto-to-fiat conversion. ATM withdrawal ~6.2%. Free tier offers 0.5% cashback (capped $20/mo); paid Plus and Pro plans unlock up to 1.75% on chosen categories. Cashback rates are progressive — Plus starts at 0.75% and Pro at 1.25%, increasing with monthly spend volume. WARNING (Jul 2026): Wireflexion, Brighty's crypto services provider, shut down end of June 2026; replacement provider not yet ready — crypto services may be disrupted, card reactivation expected 4-6 weeks after new integration completes.
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The Brighty Card is a crypto debit card offered by Brighty. It is available in EU (50+ countries) and allows users to spend cryptocurrency at merchants worldwide.
The Brighty Card offers 0.5-1.75% cashback. There are 3 tiers: One (0.5%), Plus (1.25%), Pro (1.75%).
The Brighty Card has an annual fee of $0 (paid plans available). Additional fees: Conversion fee: ~1%; FX fee: 2% foreign txn; ATM: ~6.2%.
Yes. Brighty requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Brighty Card is available in EU (50+ countries).
The Brighty Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Brighty Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.