Bing Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Bing Card 2.5/5 self_custodialboth	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	See card_tiers ($0-$1 depending on tier)	—
Issuance Fee	See card_tiers ($25-$168 depending on tier)	See card_tiers
Rewards
Max Cashback	None - No cashback rewards on purchases	36%
Features
Apple Pay	Yes	No
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No KYC for virtual cards - Rare in the crypto card market High spending limits - Up to $200,000 monthly without identity verification Zero crypto-to-fiat conversion fees - No markup when converting crypto to USD/HKD No staking requirements - Unlike competitors requiring token staking for better tiers	True self-custody model maintains crypto ownership principles Competitive cashback with boost opportunities up to 6% No hidden fees or exchange rate markups Global usage through Mastercard network
Cons	Not available in the US - Explicitly excludes US persons and residents No rewards program - No cashback or other incentives Unfavorable exchange rate - 0.956 rate when converting USDC to USD (4.4% loss) No conversion back to crypto - Funds cannot be converted back once loaded onto card	120 USDC annual fee for Metal card Currently only supports USDC/USDC.e for spending Ordering limited to UK and EEA residents Cashback rewards capped at $150 monthly