BitPay Card vs Ready Card

Side-by-side comparison of 2 crypto debit cards

	BitPay Card self_custodialmastercard	Ready Card 4.5/5 self_custodialmastercard
Rating
Overall	—	4.5/5
Fees
Monthly Fee	$0	—
Issuance Fee	$0	See card_tiers
Rewards
Max Cashback	15%	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 issuance fees for both virtual and physical cards No monthly maintenance fees Instant conversion of crypto to spendable USD FDIC insurance on USD balances up to $250,000 (when requirements met)	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	New applications currently paused during banking partner transition No published timeline for program relaunch U.S. residents only, not available internationally No universal cashback on all purchases	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