Brighty Card vs TP Card
Brighty Card scores 8/16, TP Card scores 7/16 on the CBL Card Score. Here is every criterion side by side.
 Brighty Card |  TP Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 1 of 2 | 2 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 1 of 2 | 0 of 2 |
| Total | 8 | 7 |
The short verdict: Brighty Card leads overall (8 to 7). Custodial; partners hold segregated fiat and crypto, 0.6% on the free plan FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Brighty Card | 0.5% in USDC on eligible purchases on all plans; selected categories 1.25% to 1.75% depending on plan; monthly caps USDC 20 on One, USDC 60 on Plus, USDC 100 on Pro (official, help article "What is Cashback?", 5 Mar 2026). Excludes ATM withdrawals, transfers, top-ups, gambling, crypto purchases and Curve pass-through cards; most cashback posts within 5 business days and moves to the Reward Box the next month (official, cashback terms, 01.10.2026). |
| TP Card | None on spending. Referral commissions on invitees' top-up fees, paid in USDC with a 10 USDC minimum withdrawal, plus points (1,000 to the inviter and 5,000 to the invitee per valid referral, 1 point per 1 USDC topped up, expiring after 180 days); a valid referral needs KYC and a 100 USDC top-up within 30 days (official, Commission Rewards page, checked 20 Oct 2026). |
Cashback is shown as a dated fact and never scored.