Bitpanda Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	Bitpanda Card 3.0/5 self_custodialvisa	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	None	—
Issuance Fee	Free for first card; replacement fee €5.90–€9.90	See card_tiers
Rewards
Max Cashback	1%	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 monthly or annual fees for card maintenance 1% crypto cashback on eligible purchases 0% foreign exchange fees from Bitpanda (though Visa mark-up fees may apply) Seamless integration with Bitpanda's investment platform	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	Limited to euro area residents only Bitpanda's usual trading premium/fees applied to each transaction reduce effective rewards 2% ATM withdrawal fee (minimum €2) Each transaction creates a taxable event in most jurisdictions	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