The Brighty Card earns 0.5-1.75% USDC cashback on a Mastercard debit card with a $0 (paid plans available) fee, available in EU/EEA + CH.
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/EEA + CH. It offers 0.5-1.75% USDC 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.
Note that monthly cashback caps apply. It runs on the Mastercard 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, 0.5% on every purchase, capped at $20 of cashback per month |
| Plus | 1.25% | €9/mo subscription; 0.75% on 1 chosen category, rising to 1% with a random category added at $30 of monthly cashback, and to 1.25% with a second chosen category at $50; $60/mo cashback cap |
| Pro | 1.75% | €18/mo subscription; 1.25% on 2 chosen categories, rising to 1.5% with a random category added at $60 of monthly cashback, and to 1.75% with a fourth (chosen) category at $80; $100/mo cashback cap |
On $500/mo spend, the estimated monthly cost breakdown for Brighty Card is: gas $0.00, conversion spread $5.00, flat transaction 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. In-app FX exchange has plan-dependent markups (0.4-0.6%) after monthly free limit. Free tier offers 0.5% cashback (capped at USDC 20/mo); paid Plus and Pro plans unlock up to 1.75% on chosen categories. Brighty's cashback help article (read 2026-10-24) confirms 0.5% on eligible purchases on all plans, up to 1.25-1.75% on selected categories by plan, and monthly caps of USDC 20 (One), USDC 60 (Plus) and USDC 100 (Pro); the plan prices and the step-up ladder within each plan still rest on the December 2025 release. The fee page lists only a virtual Mastercard (€2.99 issue fee) and has no ATM row; an earlier ~6.2% ATM figure had no official source and was removed. TIER CORRECTION (2026-10-09): Brighty's launch press release (GlobeNewswire, 19 December 2025) describes both category counts and boosted rates rising with cashback earned in the month: Plus 0.75%, 1% from $30 and 1.25% from $50 (cap $60); Pro 1.25%, 1.5% from $60 and 1.75% from $80 (cap $100). The 2026-09-01 wording that no source describes a progressive rate was wrong. Plan prices are not stated in that release. WARNING: Brighty's help centre says Wireflexion, its crypto services provider, is winding down: Visa cards are frozen, incoming fiat and crypto transfers and currency exchange are unavailable, and these restrictions will not be lifted. Mastercard virtual cards keep working. Existing customers can apply to BTY DIGITAL AG, a separate Swiss company, as a new customer relationship. VERIFICATION GAP (2026-10-12): The cashback range and per-plan rates, caps, prices and requirements are not stated on the official pages read; Brighty's cashback terms say rates are shown in the app, and its blog gives only up to 3.5% with a 0.5% base. The ATM fee, card FX fee and crypto-to-fiat conversion cost are not stated on the official pages read; the fee page (as of 15/09/26) lists only a currency exchange fee of 0.6%, 0.5% or 0.4% by plan above a monthly free limit. The annual fee is not stated as an amount; Brighty's blog says the free plan has no annual or monthly fees.
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The Brighty Card is a crypto debit card offered by Brighty. It is available in EU/EEA + CH and allows users to spend cryptocurrency at merchants worldwide.
The Brighty Card offers 0.5-1.75% USDC 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: Not listed for the virtual Mastercard in Brighty's fee schedule; Brighty's own blog cites 2% on Visa purchases in a currency you don't hold.
The Brighty Card has the following limits: daily spending limit: EUR 50,000 (One), EUR 75,000 (Plus), EUR 100,000 (Pro); monthly spending limit: EUR 50,000 (One), EUR 75,000 (Plus), EUR 100,000 (Pro). Limits can vary by account tier and verification level.
Yes. Brighty requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Brighty Card is available in EU/EEA + CH.
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.