Karta vs Brighty Card
Karta scores 9/16, Brighty Card scores 8/16 on the CBL Card Score. Here is every criterion side by side.
 Karta |  Brighty Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 2 of 2 |
| Availability | 2 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 1 of 2 | 1 of 2 |
| Funding cost | 0 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 1 of 2 |
| Total | 9 | 8 |
The short verdict: Karta leads overall (9 to 8). Per-user Fireblocks wallet; self-custody claim unverified, 1% Visa fee on non-USD spend FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Karta | The homepage meta text claims "25% cashback on purchases", but the page body only describes earning from referred friends' spending and no rate on the cardholder's own purchases is published; the fees articles do not mention cashback (official, karta.io and help centre, checked 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). |
Cashback is shown as a dated fact and never scored.